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$11,400
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,754
−HK$361/mo
Today · 4.125%
HK$12,115
baseline
▲ 0.50% · 4.625%
HK$12,852
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,230/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,682
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,022
−HK$345/mo
Today · 4.125%
HK$13,367
baseline
▲ 0.50% · 4.625%
HK$14,072
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,734/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,680
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,105
−HK$433/mo
Today · 4.125%
HK$14,538
baseline
▲ 0.50% · 4.625%
HK$15,422
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,076/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,219
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,627
−HK$414/mo
Today · 4.125%
HK$16,041
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,082/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,960
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,456
−HK$505/mo
Today · 4.125%
HK$16,961
baseline
▲ 0.50% · 4.625%
HK$17,993
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,922/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,755
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,231
−HK$483/mo
Today · 4.125%
HK$18,714
baseline
▲ 0.50% · 4.625%
HK$19,701
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,428/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,520
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,158
−HK$649/mo
Today · 4.125%
HK$21,807
baseline
▲ 0.50% · 4.625%
HK$23,133
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,614/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,828
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,440
−HK$621/mo
Today · 4.125%
HK$24,061
baseline
▲ 0.50% · 4.625%
HK$25,330
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,122/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,487 · 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).