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$22,747
−HK$1,426/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$718/mo
Today · 4.125%
HK$24,173
baseline
▲ 0.50% · 4.625%
HK$25,644
+HK$1,471/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,346/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,306
−HK$1,367/mo
▼ 0.25% · 3.875%
HK$25,985
−HK$688/mo
Today · 4.125%
HK$26,673
baseline
▲ 0.50% · 4.625%
HK$28,079
+HK$1,406/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,346/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$367,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,296
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$28,146
−HK$862/mo
Today · 4.125%
HK$29,008
baseline
▲ 0.50% · 4.625%
HK$30,773
+HK$1,765/mo
Deposit HK$3.99M · loan HK$5.99M · min. income ≈ HK$58,016/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$367,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,367
−HK$1,641/mo
▼ 0.25% · 3.875%
HK$31,181
−HK$827/mo
Today · 4.125%
HK$32,008
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,687/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$367,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,846
−HK$1,997/mo
▼ 0.25% · 3.875%
HK$32,836
−HK$1,007/mo
Today · 4.125%
HK$33,843
baseline
▲ 0.50% · 4.625%
HK$35,902
+HK$2,059/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$67,686/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,428
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$36,378
−HK$964/mo
Today · 4.125%
HK$37,342
baseline
▲ 0.50% · 4.625%
HK$39,311
+HK$1,969/mo
Deposit HK$2.99M · loan HK$6.98M · min. income ≈ HK$74,684/mo (50% DSR)
Upfront cash ≈ HK$3.36M (deposit + AVD stamp duty HK$367,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,945
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,218
−HK$1,294/mo
Today · 4.125%
HK$43,512
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,648/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$87,024/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,551
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,772
−HK$1,240/mo
Today · 4.125%
HK$48,012
baseline
▲ 0.50% · 4.625%
HK$50,542
+HK$2,530/mo
Deposit HK$998K · loan HK$8.98M · min. income ≈ HK$96,024/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$367,566 · 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).