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$11,396
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,750
−HK$360/mo
Today · 4.125%
HK$12,110
baseline
▲ 0.50% · 4.625%
HK$12,847
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,220/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,678
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,018
−HK$344/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,067
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,724/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,675
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,100
−HK$432/mo
Today · 4.125%
HK$14,532
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,064/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,213
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,621
−HK$414/mo
Today · 4.125%
HK$16,035
baseline
▲ 0.50% · 4.625%
HK$16,880
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,070/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,954
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,450
−HK$504/mo
Today · 4.125%
HK$16,954
baseline
▲ 0.50% · 4.625%
HK$17,986
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,908/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,749
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,225
−HK$482/mo
Today · 4.125%
HK$18,707
baseline
▲ 0.50% · 4.625%
HK$19,693
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,414/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,512
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,150
−HK$648/mo
Today · 4.125%
HK$21,798
baseline
▲ 0.50% · 4.625%
HK$23,125
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,596/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,820
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,432
−HK$620/mo
Today · 4.125%
HK$24,052
baseline
▲ 0.50% · 4.625%
HK$25,320
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,104/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,445 · 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).