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$11,389
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,743
−HK$360/mo
Today · 4.125%
HK$12,103
baseline
▲ 0.50% · 4.625%
HK$12,840
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,206/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,670
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,010
−HK$345/mo
Today · 4.125%
HK$13,355
baseline
▲ 0.50% · 4.625%
HK$14,059
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,710/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,667
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,092
−HK$432/mo
Today · 4.125%
HK$14,524
baseline
▲ 0.50% · 4.625%
HK$15,408
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,048/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,204
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$414/mo
Today · 4.125%
HK$16,026
baseline
▲ 0.50% · 4.625%
HK$16,871
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,052/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,945
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,441
−HK$504/mo
Today · 4.125%
HK$16,945
baseline
▲ 0.50% · 4.625%
HK$17,976
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,890/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,739
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,214
−HK$483/mo
Today · 4.125%
HK$18,697
baseline
▲ 0.50% · 4.625%
HK$19,682
+HK$985/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,394/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,501
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,138
−HK$648/mo
Today · 4.125%
HK$21,786
baseline
▲ 0.50% · 4.625%
HK$23,112
+HK$1,326/mo
Deposit HK$499K · loan HK$4.50M · min. income ≈ HK$43,572/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,381 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,807
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,418
−HK$621/mo
Today · 4.125%
HK$24,039
baseline
▲ 0.50% · 4.625%
HK$25,306
+HK$1,267/mo
Deposit HK$499K · loan HK$4.50M · min. income ≈ HK$48,078/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,381 · 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).