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$11,403
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,758
−HK$360/mo
Today · 4.125%
HK$12,118
baseline
▲ 0.50% · 4.625%
HK$12,855
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,236/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,686
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,026
−HK$345/mo
Today · 4.125%
HK$13,371
baseline
▲ 0.50% · 4.625%
HK$14,076
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,742/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,683
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,109
−HK$432/mo
Today · 4.125%
HK$14,541
baseline
▲ 0.50% · 4.625%
HK$15,426
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,082/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,223
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,631
−HK$414/mo
Today · 4.125%
HK$16,045
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,090/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,964
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,461
−HK$504/mo
Today · 4.125%
HK$16,965
baseline
▲ 0.50% · 4.625%
HK$17,997
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,930/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,760
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,236
−HK$483/mo
Today · 4.125%
HK$18,719
baseline
▲ 0.50% · 4.625%
HK$19,706
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,438/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,525
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,164
−HK$648/mo
Today · 4.125%
HK$21,812
baseline
▲ 0.50% · 4.625%
HK$23,139
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,624/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,834
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,446
−HK$622/mo
Today · 4.125%
HK$24,068
baseline
▲ 0.50% · 4.625%
HK$25,336
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,136/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,516 · 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).