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$22,757
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,465
−HK$720/mo
Today · 4.125%
HK$24,185
baseline
▲ 0.50% · 4.625%
HK$25,656
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,370/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,317
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,996
−HK$689/mo
Today · 4.125%
HK$26,685
baseline
▲ 0.50% · 4.625%
HK$28,092
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,370/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,309
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,158
−HK$863/mo
Today · 4.125%
HK$29,021
baseline
▲ 0.50% · 4.625%
HK$30,787
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,042/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,381
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,196
−HK$826/mo
Today · 4.125%
HK$32,022
baseline
▲ 0.50% · 4.625%
HK$33,710
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,044/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,860
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,852
−HK$1,006/mo
Today · 4.125%
HK$33,858
baseline
▲ 0.50% · 4.625%
HK$35,919
+HK$2,061/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,716/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,444
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,395
−HK$964/mo
Today · 4.125%
HK$37,359
baseline
▲ 0.50% · 4.625%
HK$39,329
+HK$1,970/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,718/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,963
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,238
−HK$1,294/mo
Today · 4.125%
HK$43,532
baseline
▲ 0.50% · 4.625%
HK$46,181
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,064/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,571
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,794
−HK$1,240/mo
Today · 4.125%
HK$48,034
baseline
▲ 0.50% · 4.625%
HK$50,565
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,068/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,023 · 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).