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$22,745
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$719/mo
Today · 4.125%
HK$24,171
baseline
▲ 0.50% · 4.625%
HK$25,642
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,342/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,303
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,982
−HK$689/mo
Today · 4.125%
HK$26,671
baseline
▲ 0.50% · 4.625%
HK$28,076
+HK$1,405/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,342/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,294
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,143
−HK$862/mo
Today · 4.125%
HK$29,005
baseline
▲ 0.50% · 4.625%
HK$30,770
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$58,010/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,364
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,178
−HK$827/mo
Today · 4.125%
HK$32,005
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$64,010/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,833
−HK$1,007/mo
Today · 4.125%
HK$33,840
baseline
▲ 0.50% · 4.625%
HK$35,899
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,680/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,425
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,375
−HK$964/mo
Today · 4.125%
HK$37,339
baseline
▲ 0.50% · 4.625%
HK$39,307
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,678/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,941
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,214
−HK$1,294/mo
Today · 4.125%
HK$43,508
baseline
▲ 0.50% · 4.625%
HK$46,155
+HK$2,647/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$87,016/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,546
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,768
−HK$1,239/mo
Today · 4.125%
HK$48,007
baseline
▲ 0.50% · 4.625%
HK$50,537
+HK$2,530/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$96,014/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,471 · 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).