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$11,384
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,738
−HK$360/mo
Today · 4.125%
HK$12,098
baseline
▲ 0.50% · 4.625%
HK$12,834
+HK$736/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,196/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,665
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$344/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,053
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,698/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,661
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,086
−HK$432/mo
Today · 4.125%
HK$14,518
baseline
▲ 0.50% · 4.625%
HK$15,401
+HK$883/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,036/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,198
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,605
−HK$414/mo
Today · 4.125%
HK$16,019
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$844/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,038/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,938
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,434
−HK$503/mo
Today · 4.125%
HK$16,937
baseline
▲ 0.50% · 4.625%
HK$17,968
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,874/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,731
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,206
−HK$483/mo
Today · 4.125%
HK$18,689
baseline
▲ 0.50% · 4.625%
HK$19,674
+HK$985/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,378/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,492
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,129
−HK$648/mo
Today · 4.125%
HK$21,777
baseline
▲ 0.50% · 4.625%
HK$23,102
+HK$1,325/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,554/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,797
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,408
−HK$620/mo
Today · 4.125%
HK$24,028
baseline
▲ 0.50% · 4.625%
HK$25,295
+HK$1,267/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,056/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,333 · 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).