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$22,760
−HK$1,427/mo
▼ 0.25% · 3.875%
HK$23,468
−HK$719/mo
Today · 4.125%
HK$24,187
baseline
▲ 0.50% · 4.625%
HK$25,659
+HK$1,472/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,374/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,320
−HK$1,368/mo
▼ 0.25% · 3.875%
HK$26,000
−HK$688/mo
Today · 4.125%
HK$26,688
baseline
▲ 0.50% · 4.625%
HK$28,095
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,376/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,312
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$28,162
−HK$863/mo
Today · 4.125%
HK$29,025
baseline
▲ 0.50% · 4.625%
HK$30,791
+HK$1,766/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,050/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,385
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,199
−HK$827/mo
Today · 4.125%
HK$32,026
baseline
▲ 0.50% · 4.625%
HK$33,714
+HK$1,688/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$64,052/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,864
−HK$1,998/mo
▼ 0.25% · 3.875%
HK$32,855
−HK$1,007/mo
Today · 4.125%
HK$33,862
baseline
▲ 0.50% · 4.625%
HK$35,923
+HK$2,061/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$67,724/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,449
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$36,399
−HK$965/mo
Today · 4.125%
HK$37,364
baseline
▲ 0.50% · 4.625%
HK$39,333
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.99M · min. income ≈ HK$74,728/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$368,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,968
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,243
−HK$1,294/mo
Today · 4.125%
HK$43,537
baseline
▲ 0.50% · 4.625%
HK$46,187
+HK$2,650/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,074/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,577
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,799
−HK$1,240/mo
Today · 4.125%
HK$48,039
baseline
▲ 0.50% · 4.625%
HK$50,571
+HK$2,532/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,078/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,141 · 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).