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$22,776
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,484
−HK$720/mo
Today · 4.125%
HK$24,204
baseline
▲ 0.50% · 4.625%
HK$25,677
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,408/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,338
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,017
−HK$690/mo
Today · 4.125%
HK$26,707
baseline
▲ 0.50% · 4.625%
HK$28,114
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,414/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,331
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,181
−HK$864/mo
Today · 4.125%
HK$29,045
baseline
▲ 0.50% · 4.625%
HK$30,812
+HK$1,767/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,090/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,405
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,221
−HK$827/mo
Today · 4.125%
HK$32,048
baseline
▲ 0.50% · 4.625%
HK$33,737
+HK$1,689/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,096/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,886
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,878
−HK$1,007/mo
Today · 4.125%
HK$33,885
baseline
▲ 0.50% · 4.625%
HK$35,947
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,770/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,473
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,424
−HK$965/mo
Today · 4.125%
HK$37,389
baseline
▲ 0.50% · 4.625%
HK$39,360
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,778/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,996
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,271
−HK$1,296/mo
Today · 4.125%
HK$43,567
baseline
▲ 0.50% · 4.625%
HK$46,218
+HK$2,651/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,134/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,608
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,831
−HK$1,241/mo
Today · 4.125%
HK$48,072
baseline
▲ 0.50% · 4.625%
HK$50,606
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,144/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,818 · 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).