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$22,746
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$719/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,643
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,304
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$688/mo
Today · 4.125%
HK$26,671
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,342/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,295
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,144
−HK$862/mo
Today · 4.125%
HK$29,006
baseline
▲ 0.50% · 4.625%
HK$30,771
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,012/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,365
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$826/mo
Today · 4.125%
HK$32,006
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,012/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,844
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$1,006/mo
Today · 4.125%
HK$33,841
baseline
▲ 0.50% · 4.625%
HK$35,900
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,682/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,426
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,376
−HK$964/mo
Today · 4.125%
HK$37,340
baseline
▲ 0.50% · 4.625%
HK$39,308
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,680/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,942
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,216
−HK$1,294/mo
Today · 4.125%
HK$43,510
baseline
▲ 0.50% · 4.625%
HK$46,157
+HK$2,647/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,020/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,548
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,769
−HK$1,240/mo
Today · 4.125%
HK$48,009
baseline
▲ 0.50% · 4.625%
HK$50,539
+HK$2,530/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,018/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,507 · 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).