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$11,396
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,751
−HK$360/mo
Today · 4.125%
HK$12,111
baseline
▲ 0.50% · 4.625%
HK$12,848
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,222/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,678
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,018
−HK$345/mo
Today · 4.125%
HK$13,363
baseline
▲ 0.50% · 4.625%
HK$14,068
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,726/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,676
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,101
−HK$432/mo
Today · 4.125%
HK$14,533
baseline
▲ 0.50% · 4.625%
HK$15,417
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,066/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,214
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,622
−HK$414/mo
Today · 4.125%
HK$16,036
baseline
▲ 0.50% · 4.625%
HK$16,881
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,072/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,955
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,451
−HK$504/mo
Today · 4.125%
HK$16,955
baseline
▲ 0.50% · 4.625%
HK$17,987
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,910/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,750
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,226
−HK$482/mo
Today · 4.125%
HK$18,708
baseline
▲ 0.50% · 4.625%
HK$19,695
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,416/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,513
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,151
−HK$649/mo
Today · 4.125%
HK$21,800
baseline
▲ 0.50% · 4.625%
HK$23,126
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,600/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,821
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,433
−HK$621/mo
Today · 4.125%
HK$24,054
baseline
▲ 0.50% · 4.625%
HK$25,322
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,108/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,451 · 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).