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$22,770
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$719/mo
Today · 4.125%
HK$24,198
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,396/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,332
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,011
−HK$689/mo
Today · 4.125%
HK$26,700
baseline
▲ 0.50% · 4.625%
HK$28,108
+HK$1,408/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,400/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,324
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,174
−HK$864/mo
Today · 4.125%
HK$29,038
baseline
▲ 0.50% · 4.625%
HK$30,805
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,076/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,398
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,213
−HK$827/mo
Today · 4.125%
HK$32,040
baseline
▲ 0.50% · 4.625%
HK$33,729
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,080/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,870
−HK$1,008/mo
Today · 4.125%
HK$33,878
baseline
▲ 0.50% · 4.625%
HK$35,939
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,756/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,465
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$965/mo
Today · 4.125%
HK$37,381
baseline
▲ 0.50% · 4.625%
HK$39,351
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,762/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,987
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,262
−HK$1,295/mo
Today · 4.125%
HK$43,557
baseline
▲ 0.50% · 4.625%
HK$46,207
+HK$2,650/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,114/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,597
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,820
−HK$1,241/mo
Today · 4.125%
HK$48,061
baseline
▲ 0.50% · 4.625%
HK$50,594
+HK$2,533/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,122/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,588 · 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).