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$11,404
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$361/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,857
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,240/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,687
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$345/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,078
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,746/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,685
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,111
−HK$433/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,428
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,088/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,225
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,633
−HK$414/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,966
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,463
−HK$504/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$18,000
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,762
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,239
−HK$483/mo
Today · 4.125%
HK$18,722
baseline
▲ 0.50% · 4.625%
HK$19,709
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,444/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,528
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,167
−HK$648/mo
Today · 4.125%
HK$21,815
baseline
▲ 0.50% · 4.625%
HK$23,143
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,630/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,837
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,450
−HK$621/mo
Today · 4.125%
HK$24,071
baseline
▲ 0.50% · 4.625%
HK$25,340
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,142/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,532 · 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).