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$11,405
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,760
−HK$360/mo
Today · 4.125%
HK$12,120
baseline
▲ 0.50% · 4.625%
HK$12,858
+HK$738/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$112,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,688
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,028
−HK$346/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,078
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,748/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,686
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,112
−HK$432/mo
Today · 4.125%
HK$14,544
baseline
▲ 0.50% · 4.625%
HK$15,429
+HK$885/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$112,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,226
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$414/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$16,894
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,967
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,464
−HK$504/mo
Today · 4.125%
HK$16,968
baseline
▲ 0.50% · 4.625%
HK$18,001
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,936/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,763
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,240
−HK$483/mo
Today · 4.125%
HK$18,723
baseline
▲ 0.50% · 4.625%
HK$19,710
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,446/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,529
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,168
−HK$649/mo
Today · 4.125%
HK$21,817
baseline
▲ 0.50% · 4.625%
HK$23,144
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,634/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,838
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,451
−HK$621/mo
Today · 4.125%
HK$24,072
baseline
▲ 0.50% · 4.625%
HK$25,341
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,144/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,538 · 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).