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$22,762
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,470
−HK$720/mo
Today · 4.125%
HK$24,190
baseline
▲ 0.50% · 4.625%
HK$25,662
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,380/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,323
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,002
−HK$689/mo
Today · 4.125%
HK$26,691
baseline
▲ 0.50% · 4.625%
HK$28,098
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,382/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,315
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,164
−HK$864/mo
Today · 4.125%
HK$29,028
baseline
▲ 0.50% · 4.625%
HK$30,794
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,056/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,387
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,202
−HK$827/mo
Today · 4.125%
HK$32,029
baseline
▲ 0.50% · 4.625%
HK$33,718
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,058/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,867
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,859
−HK$1,007/mo
Today · 4.125%
HK$33,866
baseline
▲ 0.50% · 4.625%
HK$35,926
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,732/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,452
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,403
−HK$964/mo
Today · 4.125%
HK$37,367
baseline
▲ 0.50% · 4.625%
HK$39,337
+HK$1,970/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,734/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,972
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,247
−HK$1,295/mo
Today · 4.125%
HK$43,542
baseline
▲ 0.50% · 4.625%
HK$46,191
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,084/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,581
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,804
−HK$1,240/mo
Today · 4.125%
HK$48,044
baseline
▲ 0.50% · 4.625%
HK$50,576
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,088/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,237 · 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).