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$22,761
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,469
−HK$719/mo
Today · 4.125%
HK$24,188
baseline
▲ 0.50% · 4.625%
HK$25,660
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,376/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,322
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,001
−HK$689/mo
Today · 4.125%
HK$26,690
baseline
▲ 0.50% · 4.625%
HK$28,096
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,380/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,313
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,163
−HK$863/mo
Today · 4.125%
HK$29,026
baseline
▲ 0.50% · 4.625%
HK$30,792
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,052/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,386
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,201
−HK$827/mo
Today · 4.125%
HK$32,028
baseline
▲ 0.50% · 4.625%
HK$33,716
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,056/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,866
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,857
−HK$1,007/mo
Today · 4.125%
HK$33,864
baseline
▲ 0.50% · 4.625%
HK$35,924
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,728/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,450
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,401
−HK$964/mo
Today · 4.125%
HK$37,365
baseline
▲ 0.50% · 4.625%
HK$39,335
+HK$1,970/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,730/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,970
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,245
−HK$1,294/mo
Today · 4.125%
HK$43,539
baseline
▲ 0.50% · 4.625%
HK$46,189
+HK$2,650/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,078/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,579
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,801
−HK$1,240/mo
Today · 4.125%
HK$48,041
baseline
▲ 0.50% · 4.625%
HK$50,574
+HK$2,533/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,082/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,185 · 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).