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$112,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,680
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$345/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,070
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,730/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,678
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,103
−HK$432/mo
Today · 4.125%
HK$14,535
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,070/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,216
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,624
−HK$414/mo
Today · 4.125%
HK$16,038
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,076/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,957
−HK$1,001/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$112,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,752
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,228
−HK$483/mo
Today · 4.125%
HK$18,711
baseline
▲ 0.50% · 4.625%
HK$19,698
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,422/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,155
−HK$648/mo
Today · 4.125%
HK$21,803
baseline
▲ 0.50% · 4.625%
HK$23,130
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,606/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,824
−HK$1,234/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$112,469 · 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).