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$11,423
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,779
−HK$361/mo
Today · 4.125%
HK$12,140
baseline
▲ 0.50% · 4.625%
HK$12,879
+HK$739/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,280/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,709
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,049
−HK$346/mo
Today · 4.125%
HK$13,395
baseline
▲ 0.50% · 4.625%
HK$14,101
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,790/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,708
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,135
−HK$433/mo
Today · 4.125%
HK$14,568
baseline
▲ 0.50% · 4.625%
HK$15,454
+HK$886/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,136/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,250
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,659
−HK$415/mo
Today · 4.125%
HK$16,074
baseline
▲ 0.50% · 4.625%
HK$16,921
+HK$847/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,148/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,993
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,490
−HK$506/mo
Today · 4.125%
HK$16,996
baseline
▲ 0.50% · 4.625%
HK$18,030
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,992/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,792
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,269
−HK$484/mo
Today · 4.125%
HK$18,753
baseline
▲ 0.50% · 4.625%
HK$19,742
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,506/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,562
−HK$1,290/mo
▼ 0.25% · 3.875%
HK$21,202
−HK$650/mo
Today · 4.125%
HK$21,852
baseline
▲ 0.50% · 4.625%
HK$23,181
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,704/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,875
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$622/mo
Today · 4.125%
HK$24,111
baseline
▲ 0.50% · 4.625%
HK$25,382
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,222/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,719 · 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).