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$22,775
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,483
−HK$720/mo
Today · 4.125%
HK$24,203
baseline
▲ 0.50% · 4.625%
HK$25,676
+HK$1,473/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$48,406/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,337
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,016
−HK$690/mo
Today · 4.125%
HK$26,706
baseline
▲ 0.50% · 4.625%
HK$28,113
+HK$1,407/mo
Deposit HK$4.99M · loan HK$4.99M · min. income ≈ HK$53,412/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$368,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,330
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,180
−HK$864/mo
Today · 4.125%
HK$29,044
baseline
▲ 0.50% · 4.625%
HK$30,811
+HK$1,767/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,088/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,404
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,220
−HK$827/mo
Today · 4.125%
HK$32,047
baseline
▲ 0.50% · 4.625%
HK$33,736
+HK$1,689/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,094/mo (50% DSR)
Upfront cash ≈ HK$4.36M (deposit + AVD stamp duty HK$368,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,885
−HK$1,999/mo
▼ 0.25% · 3.875%
HK$32,877
−HK$1,007/mo
Today · 4.125%
HK$33,884
baseline
▲ 0.50% · 4.625%
HK$35,946
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,768/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,471
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,423
−HK$965/mo
Today · 4.125%
HK$37,388
baseline
▲ 0.50% · 4.625%
HK$39,359
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,776/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$368,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,995
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,270
−HK$1,295/mo
Today · 4.125%
HK$43,565
baseline
▲ 0.50% · 4.625%
HK$46,216
+HK$2,651/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,130/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,783 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,606
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,829
−HK$1,241/mo
Today · 4.125%
HK$48,070
baseline
▲ 0.50% · 4.625%
HK$50,604
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,140/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$368,783 · 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).