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$22,738
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$719/mo
Today · 4.125%
HK$24,164
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,470/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,328/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,366/mo
▼ 0.25% · 3.875%
HK$25,974
−HK$688/mo
Today · 4.125%
HK$26,662
baseline
▲ 0.50% · 4.625%
HK$28,068
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,324/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,285
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,134
−HK$862/mo
Today · 4.125%
HK$28,996
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,992/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,355
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,169
−HK$826/mo
Today · 4.125%
HK$31,995
baseline
▲ 0.50% · 4.625%
HK$33,681
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,990/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,833
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,823
−HK$1,006/mo
Today · 4.125%
HK$33,829
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,658/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,414
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,364
−HK$963/mo
Today · 4.125%
HK$37,327
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,654/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,928
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,201
−HK$1,294/mo
Today · 4.125%
HK$43,495
baseline
▲ 0.50% · 4.625%
HK$46,141
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,990/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,532
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,753
−HK$1,239/mo
Today · 4.125%
HK$47,992
baseline
▲ 0.50% · 4.625%
HK$50,522
+HK$2,530/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,984/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,160 · 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).