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$11,419
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,775
−HK$360/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,874
+HK$739/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,270/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,704
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,045
−HK$345/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,096
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,780/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,703
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,130
−HK$433/mo
Today · 4.125%
HK$14,563
baseline
▲ 0.50% · 4.625%
HK$15,449
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,126/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,245
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$414/mo
Today · 4.125%
HK$16,068
baseline
▲ 0.50% · 4.625%
HK$16,915
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,136/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,987
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,484
−HK$506/mo
Today · 4.125%
HK$16,990
baseline
▲ 0.50% · 4.625%
HK$18,023
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,980/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,786
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,263
−HK$483/mo
Today · 4.125%
HK$18,746
baseline
▲ 0.50% · 4.625%
HK$19,735
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,492/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,555
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,194
−HK$650/mo
Today · 4.125%
HK$21,844
baseline
▲ 0.50% · 4.625%
HK$23,173
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,688/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,867
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,480
−HK$623/mo
Today · 4.125%
HK$24,103
baseline
▲ 0.50% · 4.625%
HK$25,373
+HK$1,270/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,206/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,679 · 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).