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$22,735
−HK$1,425/mo
▼ 0.25% · 3.875%
HK$23,442
−HK$718/mo
Today · 4.125%
HK$24,160
baseline
▲ 0.50% · 4.625%
HK$25,630
+HK$1,470/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,320/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,292
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,970
−HK$689/mo
Today · 4.125%
HK$26,659
baseline
▲ 0.50% · 4.625%
HK$28,064
+HK$1,405/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,318/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,282
−HK$1,710/mo
▼ 0.25% · 3.875%
HK$28,130
−HK$862/mo
Today · 4.125%
HK$28,992
baseline
▲ 0.50% · 4.625%
HK$30,757
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,984/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,351
−HK$1,639/mo
▼ 0.25% · 3.875%
HK$31,165
−HK$825/mo
Today · 4.125%
HK$31,990
baseline
▲ 0.50% · 4.625%
HK$33,677
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,980/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,829
−HK$1,995/mo
▼ 0.25% · 3.875%
HK$32,819
−HK$1,005/mo
Today · 4.125%
HK$33,824
baseline
▲ 0.50% · 4.625%
HK$35,883
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,648/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,409
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$36,359
−HK$963/mo
Today · 4.125%
HK$37,322
baseline
▲ 0.50% · 4.625%
HK$39,289
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,644/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,922
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,195
−HK$1,294/mo
Today · 4.125%
HK$43,489
baseline
▲ 0.50% · 4.625%
HK$46,135
+HK$2,646/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,978/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,526
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,238/mo
Today · 4.125%
HK$47,985
baseline
▲ 0.50% · 4.625%
HK$50,515
+HK$2,530/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,970/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,023 · 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).