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$22,740
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,447
−HK$719/mo
Today · 4.125%
HK$24,166
baseline
▲ 0.50% · 4.625%
HK$25,636
+HK$1,470/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,332/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,298
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,976
−HK$689/mo
Today · 4.125%
HK$26,665
baseline
▲ 0.50% · 4.625%
HK$28,070
+HK$1,405/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,330/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,288
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,137
−HK$862/mo
Today · 4.125%
HK$28,999
baseline
▲ 0.50% · 4.625%
HK$30,764
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,998/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,357
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,172
−HK$826/mo
Today · 4.125%
HK$31,998
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,686/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,996/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,836
−HK$1,996/mo
▼ 0.25% · 3.875%
HK$32,826
−HK$1,006/mo
Today · 4.125%
HK$33,832
baseline
▲ 0.50% · 4.625%
HK$35,891
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,664/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,417
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,367
−HK$963/mo
Today · 4.125%
HK$37,330
baseline
▲ 0.50% · 4.625%
HK$39,298
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,660/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,932
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,205
−HK$1,293/mo
Today · 4.125%
HK$43,498
baseline
▲ 0.50% · 4.625%
HK$46,145
+HK$2,647/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$86,996/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,536
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,757
−HK$1,239/mo
Today · 4.125%
HK$47,996
baseline
▲ 0.50% · 4.625%
HK$50,526
+HK$2,530/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$95,992/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,249 · 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).