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$11,402
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,756
−HK$361/mo
Today · 4.125%
HK$12,117
baseline
▲ 0.50% · 4.625%
HK$12,854
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,234/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,684
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,025
−HK$345/mo
Today · 4.125%
HK$13,370
baseline
▲ 0.50% · 4.625%
HK$14,074
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,740/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,682
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,108
−HK$432/mo
Today · 4.125%
HK$14,540
baseline
▲ 0.50% · 4.625%
HK$15,425
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,080/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,221
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,630
−HK$414/mo
Today · 4.125%
HK$16,044
baseline
▲ 0.50% · 4.625%
HK$16,889
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,088/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,963
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$505/mo
Today · 4.125%
HK$16,964
baseline
▲ 0.50% · 4.625%
HK$17,996
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,928/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,758
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,234
−HK$484/mo
Today · 4.125%
HK$18,718
baseline
▲ 0.50% · 4.625%
HK$19,704
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,436/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,162
−HK$648/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,832
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$622/mo
Today · 4.125%
HK$24,066
baseline
▲ 0.50% · 4.625%
HK$25,334
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,132/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,506 · 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).