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$22,765
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,473
−HK$720/mo
Today · 4.125%
HK$24,193
baseline
▲ 0.50% · 4.625%
HK$25,665
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,386/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,326
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,005
−HK$689/mo
Today · 4.125%
HK$26,694
baseline
▲ 0.50% · 4.625%
HK$28,101
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,388/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,318
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,168
−HK$863/mo
Today · 4.125%
HK$29,031
baseline
▲ 0.50% · 4.625%
HK$30,798
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,062/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,391
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,206
−HK$827/mo
Today · 4.125%
HK$32,033
baseline
▲ 0.50% · 4.625%
HK$33,722
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,066/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,871
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,863
−HK$1,007/mo
Today · 4.125%
HK$33,870
baseline
▲ 0.50% · 4.625%
HK$35,931
+HK$2,061/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,740/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,456
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,407
−HK$965/mo
Today · 4.125%
HK$37,372
baseline
▲ 0.50% · 4.625%
HK$39,342
+HK$1,970/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,744/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,977
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,252
−HK$1,295/mo
Today · 4.125%
HK$43,547
baseline
▲ 0.50% · 4.625%
HK$46,197
+HK$2,650/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$87,094/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,587
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,810
−HK$1,240/mo
Today · 4.125%
HK$48,050
baseline
▲ 0.50% · 4.625%
HK$50,583
+HK$2,533/mo
Deposit HK$998K · loan HK$8.99M · min. income ≈ HK$96,100/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,362 · 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).