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$22,763
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,471
−HK$720/mo
Today · 4.125%
HK$24,191
baseline
▲ 0.50% · 4.625%
HK$25,663
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,382/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,324
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,003
−HK$689/mo
Today · 4.125%
HK$26,692
baseline
▲ 0.50% · 4.625%
HK$28,099
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,384/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,316
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,166
−HK$863/mo
Today · 4.125%
HK$29,029
baseline
▲ 0.50% · 4.625%
HK$30,795
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,058/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,389
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,204
−HK$827/mo
Today · 4.125%
HK$32,031
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,062/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,869
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,860
−HK$1,007/mo
Today · 4.125%
HK$33,867
baseline
▲ 0.50% · 4.625%
HK$35,928
+HK$2,061/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,734/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,454
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,405
−HK$964/mo
Today · 4.125%
HK$37,369
baseline
▲ 0.50% · 4.625%
HK$39,339
+HK$1,970/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,738/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,974
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,249
−HK$1,295/mo
Today · 4.125%
HK$43,544
baseline
▲ 0.50% · 4.625%
HK$46,193
+HK$2,649/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,088/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,583
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,806
−HK$1,240/mo
Today · 4.125%
HK$48,046
baseline
▲ 0.50% · 4.625%
HK$50,579
+HK$2,533/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,092/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,283 · 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).