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$22,758
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,466
−HK$719/mo
Today · 4.125%
HK$24,185
baseline
▲ 0.50% · 4.625%
HK$25,657
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,370/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,318
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,997
−HK$689/mo
Today · 4.125%
HK$26,686
baseline
▲ 0.50% · 4.625%
HK$28,093
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,372/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,310
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,159
−HK$864/mo
Today · 4.125%
HK$29,023
baseline
▲ 0.50% · 4.625%
HK$30,788
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,046/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,382
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,197
−HK$826/mo
Today · 4.125%
HK$32,023
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,046/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,862
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,853
−HK$1,007/mo
Today · 4.125%
HK$33,860
baseline
▲ 0.50% · 4.625%
HK$35,920
+HK$2,060/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,720/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,446
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,396
−HK$965/mo
Today · 4.125%
HK$37,361
baseline
▲ 0.50% · 4.625%
HK$39,330
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,722/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,965
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,239
−HK$1,295/mo
Today · 4.125%
HK$43,534
baseline
▲ 0.50% · 4.625%
HK$46,183
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,068/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,058 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,573
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,795
−HK$1,240/mo
Today · 4.125%
HK$48,035
baseline
▲ 0.50% · 4.625%
HK$50,567
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,070/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,058 · 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).