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$11,413
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,768
−HK$361/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,867
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,258/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,697
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,037
−HK$346/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,766/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$433/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,440
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,236
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$414/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,978
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,475
−HK$505/mo
Today · 4.125%
HK$16,980
baseline
▲ 0.50% · 4.625%
HK$18,013
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,960/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,775
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,252
−HK$484/mo
Today · 4.125%
HK$18,736
baseline
▲ 0.50% · 4.625%
HK$19,723
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,472/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,543
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,182
−HK$649/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$23,160
+HK$1,329/mo
Deposit HK$501K · loan HK$4.50M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,854
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,467
−HK$622/mo
Today · 4.125%
HK$24,089
baseline
▲ 0.50% · 4.625%
HK$25,359
+HK$1,270/mo
Deposit HK$501K · loan HK$4.50M · min. income ≈ HK$48,178/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,615 · 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).