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$1,427/mo
▼ 0.25% · 3.875%
HK$23,454
−HK$719/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,305
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,984
−HK$688/mo
Today · 4.125%
HK$26,672
baseline
▲ 0.50% · 4.625%
HK$28,078
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,344/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,145
−HK$862/mo
Today · 4.125%
HK$29,007
baseline
▲ 0.50% · 4.625%
HK$30,772
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,014/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,366
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,180
−HK$827/mo
Today · 4.125%
HK$32,007
baseline
▲ 0.50% · 4.625%
HK$33,694
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,014/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,845
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,835
−HK$1,007/mo
Today · 4.125%
HK$33,842
baseline
▲ 0.50% · 4.625%
HK$35,901
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,684/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,427
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,377
−HK$964/mo
Today · 4.125%
HK$37,341
baseline
▲ 0.50% · 4.625%
HK$39,309
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,682/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,943
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,217
−HK$1,294/mo
Today · 4.125%
HK$43,511
baseline
▲ 0.50% · 4.625%
HK$46,158
+HK$2,647/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,022/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,549
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,771
−HK$1,239/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,541
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,532 · 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).