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$11,406
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,761
−HK$360/mo
Today · 4.125%
HK$12,121
baseline
▲ 0.50% · 4.625%
HK$12,859
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,242/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,689
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$345/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,079
+HK$705/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$112,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,687
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,113
−HK$432/mo
Today · 4.125%
HK$14,545
baseline
▲ 0.50% · 4.625%
HK$15,430
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,090/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,227
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,635
−HK$414/mo
Today · 4.125%
HK$16,049
baseline
▲ 0.50% · 4.625%
HK$16,895
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,098/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,968
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,465
−HK$504/mo
Today · 4.125%
HK$16,969
baseline
▲ 0.50% · 4.625%
HK$18,002
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,938/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,764
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,241
−HK$483/mo
Today · 4.125%
HK$18,724
baseline
▲ 0.50% · 4.625%
HK$19,711
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,448/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,530
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,169
−HK$649/mo
Today · 4.125%
HK$21,818
baseline
▲ 0.50% · 4.625%
HK$23,145
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,636/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,840
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,452
−HK$622/mo
Today · 4.125%
HK$24,074
baseline
▲ 0.50% · 4.625%
HK$25,343
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,148/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,545 · 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).