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$22,778
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,487
−HK$720/mo
Today · 4.125%
HK$24,207
baseline
▲ 0.50% · 4.625%
HK$25,680
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,414/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,341
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,020
−HK$690/mo
Today · 4.125%
HK$26,710
baseline
▲ 0.50% · 4.625%
HK$28,118
+HK$1,408/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,420/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,334
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,184
−HK$864/mo
Today · 4.125%
HK$29,048
baseline
▲ 0.50% · 4.625%
HK$30,816
+HK$1,768/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,096/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,409
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,224
−HK$828/mo
Today · 4.125%
HK$32,052
baseline
▲ 0.50% · 4.625%
HK$33,741
+HK$1,689/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,104/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,890
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,882
−HK$1,007/mo
Today · 4.125%
HK$33,889
baseline
▲ 0.50% · 4.625%
HK$35,951
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,778/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,477
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,428
−HK$966/mo
Today · 4.125%
HK$37,394
baseline
▲ 0.50% · 4.625%
HK$39,365
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,788/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,001
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,276
−HK$1,296/mo
Today · 4.125%
HK$43,572
baseline
▲ 0.50% · 4.625%
HK$46,223
+HK$2,651/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,144/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,613
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,836
−HK$1,241/mo
Today · 4.125%
HK$48,077
baseline
▲ 0.50% · 4.625%
HK$50,612
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,154/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,937 · 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).