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$11,385
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,739
−HK$360/mo
Today · 4.125%
HK$12,099
baseline
▲ 0.50% · 4.625%
HK$12,835
+HK$736/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,198/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,666
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$345/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,054
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,700/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,662
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,087
−HK$432/mo
Today · 4.125%
HK$14,519
baseline
▲ 0.50% · 4.625%
HK$15,402
+HK$883/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,038/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,199
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,606
−HK$414/mo
Today · 4.125%
HK$16,020
baseline
▲ 0.50% · 4.625%
HK$16,864
+HK$844/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,040/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,939
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,435
−HK$503/mo
Today · 4.125%
HK$16,938
baseline
▲ 0.50% · 4.625%
HK$17,969
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,876/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,732
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,207
−HK$483/mo
Today · 4.125%
HK$18,690
baseline
▲ 0.50% · 4.625%
HK$19,675
+HK$985/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,380/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,493
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,130
−HK$648/mo
Today · 4.125%
HK$21,778
baseline
▲ 0.50% · 4.625%
HK$23,103
+HK$1,325/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,556/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,798
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,409
−HK$621/mo
Today · 4.125%
HK$24,030
baseline
▲ 0.50% · 4.625%
HK$25,296
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,060/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,338 · 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).