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$11,410
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,765
−HK$361/mo
Today · 4.125%
HK$12,126
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,252/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,694
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$346/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,760/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,692
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$433/mo
Today · 4.125%
HK$14,551
baseline
▲ 0.50% · 4.625%
HK$15,437
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,102/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,233
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$415/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$16,902
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,112/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,975
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$505/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$18,009
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,248
−HK$484/mo
Today · 4.125%
HK$18,732
baseline
▲ 0.50% · 4.625%
HK$19,719
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,464/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,539
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,178
−HK$649/mo
Today · 4.125%
HK$21,827
baseline
▲ 0.50% · 4.625%
HK$23,155
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,654/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,849
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,462
−HK$622/mo
Today · 4.125%
HK$24,084
baseline
▲ 0.50% · 4.625%
HK$25,353
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,168/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,590 · 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).