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$11,417
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,773
−HK$360/mo
Today · 4.125%
HK$12,133
baseline
▲ 0.50% · 4.625%
HK$12,872
+HK$739/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,266/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,702
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,043
−HK$345/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,094
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,776/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,701
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,127
−HK$433/mo
Today · 4.125%
HK$14,560
baseline
▲ 0.50% · 4.625%
HK$15,446
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,120/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,242
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,651
−HK$415/mo
Today · 4.125%
HK$16,066
baseline
▲ 0.50% · 4.625%
HK$16,913
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,132/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,984
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,482
−HK$505/mo
Today · 4.125%
HK$16,987
baseline
▲ 0.50% · 4.625%
HK$18,020
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,974/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,783
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,260
−HK$483/mo
Today · 4.125%
HK$18,743
baseline
▲ 0.50% · 4.625%
HK$19,731
+HK$988/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,486/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,551
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,191
−HK$649/mo
Today · 4.125%
HK$21,840
baseline
▲ 0.50% · 4.625%
HK$23,169
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,680/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,660 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,863
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,477
−HK$622/mo
Today · 4.125%
HK$24,099
baseline
▲ 0.50% · 4.625%
HK$25,369
+HK$1,270/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,198/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,660 · 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).