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$11,391
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,745
−HK$360/mo
Today · 4.125%
HK$12,105
baseline
▲ 0.50% · 4.625%
HK$12,842
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,210/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,672
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,012
−HK$345/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,061
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,714/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,669
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,094
−HK$432/mo
Today · 4.125%
HK$14,526
baseline
▲ 0.50% · 4.625%
HK$15,410
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,052/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,207
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,615
−HK$413/mo
Today · 4.125%
HK$16,028
baseline
▲ 0.50% · 4.625%
HK$16,873
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,056/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,947
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,443
−HK$504/mo
Today · 4.125%
HK$16,947
baseline
▲ 0.50% · 4.625%
HK$17,978
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,894/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,741
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,217
−HK$483/mo
Today · 4.125%
HK$18,700
baseline
▲ 0.50% · 4.625%
HK$19,685
+HK$985/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,400/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,504
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,141
−HK$648/mo
Today · 4.125%
HK$21,789
baseline
▲ 0.50% · 4.625%
HK$23,115
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,578/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,810
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,422
−HK$620/mo
Today · 4.125%
HK$24,042
baseline
▲ 0.50% · 4.625%
HK$25,310
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,084/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,398 · 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).