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$11,388
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$359/mo
Today · 4.125%
HK$12,102
baseline
▲ 0.50% · 4.625%
HK$12,839
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,204/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,669
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$345/mo
Today · 4.125%
HK$13,354
baseline
▲ 0.50% · 4.625%
HK$14,058
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,708/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,666
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,091
−HK$432/mo
Today · 4.125%
HK$14,523
baseline
▲ 0.50% · 4.625%
HK$15,407
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,046/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,203
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$414/mo
Today · 4.125%
HK$16,025
baseline
▲ 0.50% · 4.625%
HK$16,869
+HK$844/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,050/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,944
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,440
−HK$503/mo
Today · 4.125%
HK$16,943
baseline
▲ 0.50% · 4.625%
HK$17,974
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,886/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,737
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,213
−HK$482/mo
Today · 4.125%
HK$18,695
baseline
▲ 0.50% · 4.625%
HK$19,681
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,390/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,499
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,137
−HK$647/mo
Today · 4.125%
HK$21,784
baseline
▲ 0.50% · 4.625%
HK$23,110
+HK$1,326/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,568/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,805
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,416
−HK$621/mo
Today · 4.125%
HK$24,037
baseline
▲ 0.50% · 4.625%
HK$25,304
+HK$1,267/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,074/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,372 · 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).