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$22,777
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$720/mo
Today · 4.125%
HK$24,205
baseline
▲ 0.50% · 4.625%
HK$25,678
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,410/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,339
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,018
−HK$690/mo
Today · 4.125%
HK$26,708
baseline
▲ 0.50% · 4.625%
HK$28,116
+HK$1,408/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,416/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,332
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,182
−HK$864/mo
Today · 4.125%
HK$29,046
baseline
▲ 0.50% · 4.625%
HK$30,813
+HK$1,767/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,092/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,407
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,222
−HK$827/mo
Today · 4.125%
HK$32,049
baseline
▲ 0.50% · 4.625%
HK$33,739
+HK$1,690/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,098/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,887
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,879
−HK$1,008/mo
Today · 4.125%
HK$33,887
baseline
▲ 0.50% · 4.625%
HK$35,949
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,774/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,474
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,426
−HK$965/mo
Today · 4.125%
HK$37,391
baseline
▲ 0.50% · 4.625%
HK$39,362
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,782/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,998
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,273
−HK$1,296/mo
Today · 4.125%
HK$43,569
baseline
▲ 0.50% · 4.625%
HK$46,220
+HK$2,651/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,138/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,610
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,833
−HK$1,241/mo
Today · 4.125%
HK$48,074
baseline
▲ 0.50% · 4.625%
HK$50,608
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,148/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,864 · 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).