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$11,398
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,753
−HK$360/mo
Today · 4.125%
HK$12,113
baseline
▲ 0.50% · 4.625%
HK$12,850
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,226/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,680
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,021
−HK$345/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,070
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,678
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$433/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,072/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,217
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$414/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,078/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$504/mo
Today · 4.125%
HK$16,958
baseline
▲ 0.50% · 4.625%
HK$17,990
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,916/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$483/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,155
−HK$649/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$621/mo
Today · 4.125%
HK$24,058
baseline
▲ 0.50% · 4.625%
HK$25,326
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,116/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,471 · 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).