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$22,774
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,482
−HK$720/mo
Today · 4.125%
HK$24,202
baseline
▲ 0.50% · 4.625%
HK$25,675
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,404/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,336
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,015
−HK$690/mo
Today · 4.125%
HK$26,705
baseline
▲ 0.50% · 4.625%
HK$28,112
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,410/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,329
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,179
−HK$864/mo
Today · 4.125%
HK$29,043
baseline
▲ 0.50% · 4.625%
HK$30,810
+HK$1,767/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,086/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,403
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,218
−HK$828/mo
Today · 4.125%
HK$32,046
baseline
▲ 0.50% · 4.625%
HK$33,735
+HK$1,689/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,092/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,884
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,875
−HK$1,008/mo
Today · 4.125%
HK$33,883
baseline
▲ 0.50% · 4.625%
HK$35,945
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,766/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,470
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,422
−HK$965/mo
Today · 4.125%
HK$37,387
baseline
▲ 0.50% · 4.625%
HK$39,357
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,774/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,993
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,268
−HK$1,296/mo
Today · 4.125%
HK$43,564
baseline
▲ 0.50% · 4.625%
HK$46,215
+HK$2,651/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,128/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,605
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,828
−HK$1,241/mo
Today · 4.125%
HK$48,069
baseline
▲ 0.50% · 4.625%
HK$50,602
+HK$2,533/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,138/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,751 · 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).