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$22,748
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$719/mo
Today · 4.125%
HK$24,174
baseline
▲ 0.50% · 4.625%
HK$25,645
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,348/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,306
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$689/mo
Today · 4.125%
HK$26,674
baseline
▲ 0.50% · 4.625%
HK$28,080
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,348/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,297
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,146
−HK$863/mo
Today · 4.125%
HK$29,009
baseline
▲ 0.50% · 4.625%
HK$30,774
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,018/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,368
−HK$1,640/mo
▼ 0.25% · 3.875%
HK$31,182
−HK$826/mo
Today · 4.125%
HK$32,008
baseline
▲ 0.50% · 4.625%
HK$33,696
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,016/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,847
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,837
−HK$1,007/mo
Today · 4.125%
HK$33,844
baseline
▲ 0.50% · 4.625%
HK$35,903
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,688/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,429
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,379
−HK$964/mo
Today · 4.125%
HK$37,343
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$1,968/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,686/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,946
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,219
−HK$1,294/mo
Today · 4.125%
HK$43,513
baseline
▲ 0.50% · 4.625%
HK$46,161
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,026/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,552
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,773
−HK$1,240/mo
Today · 4.125%
HK$48,013
baseline
▲ 0.50% · 4.625%
HK$50,543
+HK$2,530/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,026/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,587 · 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).