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$11,386
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$360/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,200/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,667
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$344/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,055
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,702/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,663
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$432/mo
Today · 4.125%
HK$14,520
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,040/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,200
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$414/mo
Today · 4.125%
HK$16,022
baseline
▲ 0.50% · 4.625%
HK$16,866
+HK$844/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,044/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,941
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$503/mo
Today · 4.125%
HK$16,940
baseline
▲ 0.50% · 4.625%
HK$17,971
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,880/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,209
−HK$483/mo
Today · 4.125%
HK$18,692
baseline
▲ 0.50% · 4.625%
HK$19,677
+HK$985/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,384/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,495
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$647/mo
Today · 4.125%
HK$21,780
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,326/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,560/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,412
−HK$621/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,299
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,066/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,352 · 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).