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$11,393
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,748
−HK$360/mo
Today · 4.125%
HK$12,108
baseline
▲ 0.50% · 4.625%
HK$12,845
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,216/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,675
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,015
−HK$345/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,064
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,720/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,672
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$432/mo
Today · 4.125%
HK$14,529
baseline
▲ 0.50% · 4.625%
HK$15,414
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,058/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,210
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,618
−HK$414/mo
Today · 4.125%
HK$16,032
baseline
▲ 0.50% · 4.625%
HK$16,877
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,064/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,951
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,447
−HK$504/mo
Today · 4.125%
HK$16,951
baseline
▲ 0.50% · 4.625%
HK$17,982
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,902/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,745
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,221
−HK$483/mo
Today · 4.125%
HK$18,704
baseline
▲ 0.50% · 4.625%
HK$19,690
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,408/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,508
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,146
−HK$648/mo
Today · 4.125%
HK$21,794
baseline
▲ 0.50% · 4.625%
HK$23,120
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,588/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,815
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,427
−HK$621/mo
Today · 4.125%
HK$24,048
baseline
▲ 0.50% · 4.625%
HK$25,315
+HK$1,267/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,096/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,423 · 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).