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$11,382
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,736
−HK$360/mo
Today · 4.125%
HK$12,096
baseline
▲ 0.50% · 4.625%
HK$12,832
+HK$736/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,192/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,663
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,002
−HK$345/mo
Today · 4.125%
HK$13,347
baseline
▲ 0.50% · 4.625%
HK$14,050
+HK$703/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,694/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,659
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,084
−HK$431/mo
Today · 4.125%
HK$14,515
baseline
▲ 0.50% · 4.625%
HK$15,398
+HK$883/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,030/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,195
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,603
−HK$413/mo
Today · 4.125%
HK$16,016
baseline
▲ 0.50% · 4.625%
HK$16,860
+HK$844/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,032/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,935
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,431
−HK$503/mo
Today · 4.125%
HK$16,934
baseline
▲ 0.50% · 4.625%
HK$17,965
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,868/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,728
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,203
−HK$483/mo
Today · 4.125%
HK$18,686
baseline
▲ 0.50% · 4.625%
HK$19,670
+HK$984/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,372/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,488
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,125
−HK$648/mo
Today · 4.125%
HK$21,773
baseline
▲ 0.50% · 4.625%
HK$23,098
+HK$1,325/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,546/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,793
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,404
−HK$620/mo
Today · 4.125%
HK$24,024
baseline
▲ 0.50% · 4.625%
HK$25,291
+HK$1,267/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,048/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,313 · 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).