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$11,411
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,766
−HK$361/mo
Today · 4.125%
HK$12,127
baseline
▲ 0.50% · 4.625%
HK$12,864
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,254/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,695
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,035
−HK$345/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,086
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,760/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,693
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,119
−HK$433/mo
Today · 4.125%
HK$14,552
baseline
▲ 0.50% · 4.625%
HK$15,437
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,104/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,233
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,642
−HK$414/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,112/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,975
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,472
−HK$505/mo
Today · 4.125%
HK$16,977
baseline
▲ 0.50% · 4.625%
HK$18,010
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,954/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,772
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,249
−HK$484/mo
Today · 4.125%
HK$18,733
baseline
▲ 0.50% · 4.625%
HK$19,720
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,466/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,540
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,179
−HK$649/mo
Today · 4.125%
HK$21,828
baseline
▲ 0.50% · 4.625%
HK$23,156
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,656/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,850
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,463
−HK$622/mo
Today · 4.125%
HK$24,085
baseline
▲ 0.50% · 4.625%
HK$25,354
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,170/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,596 · 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).