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$22,738
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,445
−HK$719/mo
Today · 4.125%
HK$24,164
baseline
▲ 0.50% · 4.625%
HK$25,634
+HK$1,470/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,328/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,296
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,974
−HK$689/mo
Today · 4.125%
HK$26,663
baseline
▲ 0.50% · 4.625%
HK$28,068
+HK$1,405/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,326/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,286
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$28,134
−HK$863/mo
Today · 4.125%
HK$28,997
baseline
▲ 0.50% · 4.625%
HK$30,761
+HK$1,764/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$57,994/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,355
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,169
−HK$826/mo
Today · 4.125%
HK$31,995
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$63,990/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,833
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,824
−HK$1,006/mo
Today · 4.125%
HK$33,830
baseline
▲ 0.50% · 4.625%
HK$35,888
+HK$2,058/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,660/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,414
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,364
−HK$964/mo
Today · 4.125%
HK$37,328
baseline
▲ 0.50% · 4.625%
HK$39,295
+HK$1,967/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,656/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,929
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,202
−HK$1,293/mo
Today · 4.125%
HK$43,495
baseline
▲ 0.50% · 4.625%
HK$46,142
+HK$2,647/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$86,990/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,533
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,754
−HK$1,239/mo
Today · 4.125%
HK$47,993
baseline
▲ 0.50% · 4.625%
HK$50,522
+HK$2,529/mo
Deposit HK$997K · loan HK$8.97M · min. income ≈ HK$95,986/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,174 · 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).