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$22,750
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,458
−HK$719/mo
Today · 4.125%
HK$24,177
baseline
▲ 0.50% · 4.625%
HK$25,648
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,354/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,309
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,988
−HK$689/mo
Today · 4.125%
HK$26,677
baseline
▲ 0.50% · 4.625%
HK$28,083
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,354/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,300
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,149
−HK$863/mo
Today · 4.125%
HK$29,012
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,024/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,371
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,186
−HK$826/mo
Today · 4.125%
HK$32,012
baseline
▲ 0.50% · 4.625%
HK$33,700
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,024/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,850
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,841
−HK$1,007/mo
Today · 4.125%
HK$33,848
baseline
▲ 0.50% · 4.625%
HK$35,907
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,696/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,433
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,383
−HK$964/mo
Today · 4.125%
HK$37,347
baseline
▲ 0.50% · 4.625%
HK$39,316
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,694/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,950
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,224
−HK$1,294/mo
Today · 4.125%
HK$43,518
baseline
▲ 0.50% · 4.625%
HK$46,166
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,036/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,557
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,779
−HK$1,239/mo
Today · 4.125%
HK$48,018
baseline
▲ 0.50% · 4.625%
HK$50,549
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,036/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,705 · 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).