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$22,771
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$720/mo
Today · 4.125%
HK$24,199
baseline
▲ 0.50% · 4.625%
HK$25,671
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,398/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,332
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,012
−HK$689/mo
Today · 4.125%
HK$26,701
baseline
▲ 0.50% · 4.625%
HK$28,108
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,402/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,325
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,175
−HK$863/mo
Today · 4.125%
HK$29,038
baseline
▲ 0.50% · 4.625%
HK$30,805
+HK$1,767/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,076/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,399
−HK$1,642/mo
▼ 0.25% · 3.875%
HK$31,214
−HK$827/mo
Today · 4.125%
HK$32,041
baseline
▲ 0.50% · 4.625%
HK$33,730
+HK$1,689/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,082/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,879
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,871
−HK$1,007/mo
Today · 4.125%
HK$33,878
baseline
▲ 0.50% · 4.625%
HK$35,940
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,756/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,465
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,416
−HK$965/mo
Today · 4.125%
HK$37,381
baseline
▲ 0.50% · 4.625%
HK$39,352
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,762/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,987
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,262
−HK$1,296/mo
Today · 4.125%
HK$43,558
baseline
▲ 0.50% · 4.625%
HK$46,208
+HK$2,650/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,116/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,607 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,598
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,821
−HK$1,241/mo
Today · 4.125%
HK$48,062
baseline
▲ 0.50% · 4.625%
HK$50,595
+HK$2,533/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,124/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,607 · 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).