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$11,399
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,753
−HK$360/mo
Today · 4.125%
HK$12,113
baseline
▲ 0.50% · 4.625%
HK$12,850
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,226/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,681
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,021
−HK$345/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,070
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,678
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,104
−HK$432/mo
Today · 4.125%
HK$14,536
baseline
▲ 0.50% · 4.625%
HK$15,420
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,072/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,217
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,625
−HK$414/mo
Today · 4.125%
HK$16,039
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,078/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,958
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,454
−HK$505/mo
Today · 4.125%
HK$16,959
baseline
▲ 0.50% · 4.625%
HK$17,991
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,918/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,753
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,229
−HK$483/mo
Today · 4.125%
HK$18,712
baseline
▲ 0.50% · 4.625%
HK$19,699
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,424/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,517
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,156
−HK$648/mo
Today · 4.125%
HK$21,804
baseline
▲ 0.50% · 4.625%
HK$23,131
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,608/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,473 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,825
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,437
−HK$622/mo
Today · 4.125%
HK$24,059
baseline
▲ 0.50% · 4.625%
HK$25,327
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,118/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,473 · 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).