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$23,478
−HK$720/mo
Today · 4.125%
HK$24,198
baseline
▲ 0.50% · 4.625%
HK$25,670
+HK$1,472/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$368,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,331
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,010
−HK$690/mo
Today · 4.125%
HK$26,700
baseline
▲ 0.50% · 4.625%
HK$28,107
+HK$1,407/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$368,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,324
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,174
−HK$863/mo
Today · 4.125%
HK$29,037
baseline
▲ 0.50% · 4.625%
HK$30,804
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,074/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,397
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,212
−HK$828/mo
Today · 4.125%
HK$32,040
baseline
▲ 0.50% · 4.625%
HK$33,728
+HK$1,688/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$368,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,878
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,869
−HK$1,008/mo
Today · 4.125%
HK$33,877
baseline
▲ 0.50% · 4.625%
HK$35,938
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,754/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,463
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,415
−HK$964/mo
Today · 4.125%
HK$37,379
baseline
▲ 0.50% · 4.625%
HK$39,350
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,758/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,985
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,260
−HK$1,296/mo
Today · 4.125%
HK$43,556
baseline
▲ 0.50% · 4.625%
HK$46,206
+HK$2,650/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,112/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,596
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,819
−HK$1,240/mo
Today · 4.125%
HK$48,059
baseline
▲ 0.50% · 4.625%
HK$50,593
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,118/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,558 · 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).