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$22,745
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,453
−HK$719/mo
Today · 4.125%
HK$24,172
baseline
▲ 0.50% · 4.625%
HK$25,642
+HK$1,470/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,344/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,304
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,983
−HK$688/mo
Today · 4.125%
HK$26,671
baseline
▲ 0.50% · 4.625%
HK$28,077
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,342/mo (50% DSR)
Upfront cash ≈ HK$5.35M (deposit + AVD stamp duty HK$367,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,294
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,143
−HK$863/mo
Today · 4.125%
HK$29,006
baseline
▲ 0.50% · 4.625%
HK$30,771
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$58,012/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,365
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,179
−HK$826/mo
Today · 4.125%
HK$32,005
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,687/mo
Deposit HK$3.99M · loan HK$5.98M · min. income ≈ HK$64,010/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,843
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,834
−HK$1,006/mo
Today · 4.125%
HK$33,840
baseline
▲ 0.50% · 4.625%
HK$35,899
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,680/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,425
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,376
−HK$963/mo
Today · 4.125%
HK$37,339
baseline
▲ 0.50% · 4.625%
HK$39,308
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,678/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,942
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,215
−HK$1,294/mo
Today · 4.125%
HK$43,509
baseline
▲ 0.50% · 4.625%
HK$46,156
+HK$2,647/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$87,018/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,489 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,547
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,769
−HK$1,239/mo
Today · 4.125%
HK$48,008
baseline
▲ 0.50% · 4.625%
HK$50,538
+HK$2,530/mo
Deposit HK$997K · loan HK$8.98M · min. income ≈ HK$96,016/mo (50% DSR)
Upfront cash ≈ HK$1.36M (deposit + AVD stamp duty HK$367,489 · 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).