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$22,755
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,463
−HK$719/mo
Today · 4.125%
HK$24,182
baseline
▲ 0.50% · 4.625%
HK$25,654
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,364/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,315
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,994
−HK$689/mo
Today · 4.125%
HK$26,683
baseline
▲ 0.50% · 4.625%
HK$28,089
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,366/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,306
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,156
−HK$863/mo
Today · 4.125%
HK$29,019
baseline
▲ 0.50% · 4.625%
HK$30,784
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,038/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,378
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,193
−HK$826/mo
Today · 4.125%
HK$32,019
baseline
▲ 0.50% · 4.625%
HK$33,707
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,038/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,857
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,848
−HK$1,007/mo
Today · 4.125%
HK$33,855
baseline
▲ 0.50% · 4.625%
HK$35,915
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,710/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,441
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,392
−HK$964/mo
Today · 4.125%
HK$37,356
baseline
▲ 0.50% · 4.625%
HK$39,325
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,712/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,960
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,294/mo
Today · 4.125%
HK$43,528
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,056/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,567
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,789
−HK$1,240/mo
Today · 4.125%
HK$48,029
baseline
▲ 0.50% · 4.625%
HK$50,561
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,058/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,927 · 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).