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$11,387
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,741
−HK$360/mo
Today · 4.125%
HK$12,101
baseline
▲ 0.50% · 4.625%
HK$12,837
+HK$736/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,202/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,667
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,007
−HK$345/mo
Today · 4.125%
HK$13,352
baseline
▲ 0.50% · 4.625%
HK$14,056
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,704/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,664
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,089
−HK$432/mo
Today · 4.125%
HK$14,521
baseline
▲ 0.50% · 4.625%
HK$15,404
+HK$883/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,042/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,201
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,609
−HK$413/mo
Today · 4.125%
HK$16,022
baseline
▲ 0.50% · 4.625%
HK$16,867
+HK$845/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$112,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,941
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,437
−HK$504/mo
Today · 4.125%
HK$16,941
baseline
▲ 0.50% · 4.625%
HK$17,972
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,882/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,734
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,210
−HK$483/mo
Today · 4.125%
HK$18,693
baseline
▲ 0.50% · 4.625%
HK$19,678
+HK$985/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,386/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,496
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,133
−HK$648/mo
Today · 4.125%
HK$21,781
baseline
▲ 0.50% · 4.625%
HK$23,106
+HK$1,325/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,562/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,801
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,413
−HK$620/mo
Today · 4.125%
HK$24,033
baseline
▲ 0.50% · 4.625%
HK$25,300
+HK$1,267/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$112,356 · 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).