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$11,422
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,778
−HK$361/mo
Today · 4.125%
HK$12,139
baseline
▲ 0.50% · 4.625%
HK$12,877
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,278/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,707
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,048
−HK$346/mo
Today · 4.125%
HK$13,394
baseline
▲ 0.50% · 4.625%
HK$14,100
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,788/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,707
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,133
−HK$433/mo
Today · 4.125%
HK$14,566
baseline
▲ 0.50% · 4.625%
HK$15,453
+HK$887/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,132/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,249
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$414/mo
Today · 4.125%
HK$16,072
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$848/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,144/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,991
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,489
−HK$505/mo
Today · 4.125%
HK$16,994
baseline
▲ 0.50% · 4.625%
HK$18,028
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,988/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,790
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,267
−HK$484/mo
Today · 4.125%
HK$18,751
baseline
▲ 0.50% · 4.625%
HK$19,740
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,502/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,560
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,200
−HK$649/mo
Today · 4.125%
HK$21,849
baseline
▲ 0.50% · 4.625%
HK$23,179
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,698/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,873
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,486
−HK$623/mo
Today · 4.125%
HK$24,109
baseline
▲ 0.50% · 4.625%
HK$25,380
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,218/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,708 · 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).