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$22,751
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$719/mo
Today · 4.125%
HK$24,178
baseline
▲ 0.50% · 4.625%
HK$25,649
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,356/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,310
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,989
−HK$689/mo
Today · 4.125%
HK$26,678
baseline
▲ 0.50% · 4.625%
HK$28,084
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,356/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,301
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,150
−HK$863/mo
Today · 4.125%
HK$29,013
baseline
▲ 0.50% · 4.625%
HK$30,778
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,026/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,372
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,187
−HK$826/mo
Today · 4.125%
HK$32,013
baseline
▲ 0.50% · 4.625%
HK$33,701
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,026/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,851
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,842
−HK$1,007/mo
Today · 4.125%
HK$33,849
baseline
▲ 0.50% · 4.625%
HK$35,908
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,698/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,434
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,385
−HK$964/mo
Today · 4.125%
HK$37,349
baseline
▲ 0.50% · 4.625%
HK$39,317
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,698/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,952
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,225
−HK$1,295/mo
Today · 4.125%
HK$43,520
baseline
▲ 0.50% · 4.625%
HK$46,168
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,040/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,558
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,780
−HK$1,240/mo
Today · 4.125%
HK$48,020
baseline
▲ 0.50% · 4.625%
HK$50,551
+HK$2,531/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,040/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,734 · 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).