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$22,756
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$719/mo
Today · 4.125%
HK$24,183
baseline
▲ 0.50% · 4.625%
HK$25,655
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,366/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,316
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,995
−HK$689/mo
Today · 4.125%
HK$26,684
baseline
▲ 0.50% · 4.625%
HK$28,091
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,368/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,308
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,157
−HK$863/mo
Today · 4.125%
HK$29,020
baseline
▲ 0.50% · 4.625%
HK$30,786
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,040/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,379
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,194
−HK$827/mo
Today · 4.125%
HK$32,021
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,042/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,859
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,850
−HK$1,007/mo
Today · 4.125%
HK$33,857
baseline
▲ 0.50% · 4.625%
HK$35,917
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,714/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,443
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,393
−HK$965/mo
Today · 4.125%
HK$37,358
baseline
▲ 0.50% · 4.625%
HK$39,327
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,716/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,961
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,236
−HK$1,294/mo
Today · 4.125%
HK$43,530
baseline
▲ 0.50% · 4.625%
HK$46,179
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,060/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,569
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,791
−HK$1,240/mo
Today · 4.125%
HK$48,031
baseline
▲ 0.50% · 4.625%
HK$50,563
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,062/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,974 · 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).