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$11,381
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,735
−HK$360/mo
Today · 4.125%
HK$12,095
baseline
▲ 0.50% · 4.625%
HK$12,831
+HK$736/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,190/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,661
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,001
−HK$344/mo
Today · 4.125%
HK$13,345
baseline
▲ 0.50% · 4.625%
HK$14,049
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,690/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,657
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,082
−HK$432/mo
Today · 4.125%
HK$14,514
baseline
▲ 0.50% · 4.625%
HK$15,397
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,028/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,193
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,601
−HK$413/mo
Today · 4.125%
HK$16,014
baseline
▲ 0.50% · 4.625%
HK$16,858
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,028/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,933
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,429
−HK$503/mo
Today · 4.125%
HK$16,932
baseline
▲ 0.50% · 4.625%
HK$17,963
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,864/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,726
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,201
−HK$482/mo
Today · 4.125%
HK$18,683
baseline
▲ 0.50% · 4.625%
HK$19,668
+HK$985/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,366/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,486
−HK$1,284/mo
▼ 0.25% · 3.875%
HK$21,123
−HK$647/mo
Today · 4.125%
HK$21,770
baseline
▲ 0.50% · 4.625%
HK$23,095
+HK$1,325/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,540/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,790
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,401
−HK$620/mo
Today · 4.125%
HK$24,021
baseline
▲ 0.50% · 4.625%
HK$25,288
+HK$1,267/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,042/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,299 · 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).