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$11,409
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$361/mo
Today · 4.125%
HK$12,125
baseline
▲ 0.50% · 4.625%
HK$12,863
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,250/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,693
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$346/mo
Today · 4.125%
HK$13,379
baseline
▲ 0.50% · 4.625%
HK$14,084
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,758/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,691
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,117
−HK$433/mo
Today · 4.125%
HK$14,550
baseline
▲ 0.50% · 4.625%
HK$15,435
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,100/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,231
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$414/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$16,901
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,108/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,973
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,470
−HK$505/mo
Today · 4.125%
HK$16,975
baseline
▲ 0.50% · 4.625%
HK$18,008
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,950/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,770
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$483/mo
Today · 4.125%
HK$18,730
baseline
▲ 0.50% · 4.625%
HK$19,717
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,460/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,537
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,176
−HK$649/mo
Today · 4.125%
HK$21,825
baseline
▲ 0.50% · 4.625%
HK$23,153
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,650/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,847
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,460
−HK$622/mo
Today · 4.125%
HK$24,082
baseline
▲ 0.50% · 4.625%
HK$25,351
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,164/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,581 · 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).