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$11,411
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$361/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,865
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,254/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,695
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$345/mo
Today · 4.125%
HK$13,381
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,762/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,694
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,120
−HK$432/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,438
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,234
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$414/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$16,904
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,976
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,473
−HK$505/mo
Today · 4.125%
HK$16,978
baseline
▲ 0.50% · 4.625%
HK$18,011
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,956/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,773
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,250
−HK$483/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,721
+HK$988/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,466/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,541
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$650/mo
Today · 4.125%
HK$21,829
baseline
▲ 0.50% · 4.625%
HK$23,157
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,658/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,851
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,464
−HK$622/mo
Today · 4.125%
HK$24,086
baseline
▲ 0.50% · 4.625%
HK$25,355
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,172/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,600 · 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).