The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$22,752
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$719/mo
Today · 4.125%
HK$24,179
baseline
▲ 0.50% · 4.625%
HK$25,650
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,358/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,312
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,991
−HK$688/mo
Today · 4.125%
HK$26,679
baseline
▲ 0.50% · 4.625%
HK$28,086
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,358/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,303
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,152
−HK$863/mo
Today · 4.125%
HK$29,015
baseline
▲ 0.50% · 4.625%
HK$30,780
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,030/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,374
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,189
−HK$826/mo
Today · 4.125%
HK$32,015
baseline
▲ 0.50% · 4.625%
HK$33,703
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,030/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,853
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,844
−HK$1,007/mo
Today · 4.125%
HK$33,851
baseline
▲ 0.50% · 4.625%
HK$35,910
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,702/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,436
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,387
−HK$964/mo
Today · 4.125%
HK$37,351
baseline
▲ 0.50% · 4.625%
HK$39,320
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,702/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,228
−HK$1,294/mo
Today · 4.125%
HK$43,522
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,044/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,561
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,783
−HK$1,240/mo
Today · 4.125%
HK$48,023
baseline
▲ 0.50% · 4.625%
HK$50,554
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,046/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,796 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).