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$22,771
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$719/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,672
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,333
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$689/mo
Today · 4.125%
HK$26,701
baseline
▲ 0.50% · 4.625%
HK$28,109
+HK$1,408/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,402/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$864/mo
Today · 4.125%
HK$29,039
baseline
▲ 0.50% · 4.625%
HK$30,806
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,078/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,399
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,215
−HK$827/mo
Today · 4.125%
HK$32,042
baseline
▲ 0.50% · 4.625%
HK$33,731
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,084/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,880
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,871
−HK$1,008/mo
Today · 4.125%
HK$33,879
baseline
▲ 0.50% · 4.625%
HK$35,940
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,758/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,466
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,417
−HK$965/mo
Today · 4.125%
HK$37,382
baseline
▲ 0.50% · 4.625%
HK$39,352
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,764/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,988
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,263
−HK$1,296/mo
Today · 4.125%
HK$43,559
baseline
▲ 0.50% · 4.625%
HK$46,209
+HK$2,650/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,118/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,599
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,822
−HK$1,241/mo
Today · 4.125%
HK$48,063
baseline
▲ 0.50% · 4.625%
HK$50,596
+HK$2,533/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,126/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,626 · 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).