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$11,415
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,770
−HK$361/mo
Today · 4.125%
HK$12,131
baseline
▲ 0.50% · 4.625%
HK$12,869
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,262/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,699
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$345/mo
Today · 4.125%
HK$13,385
baseline
▲ 0.50% · 4.625%
HK$14,091
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,770/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,698
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,124
−HK$433/mo
Today · 4.125%
HK$14,557
baseline
▲ 0.50% · 4.625%
HK$15,443
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,114/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,239
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$415/mo
Today · 4.125%
HK$16,063
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,126/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,981
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,478
−HK$505/mo
Today · 4.125%
HK$16,983
baseline
▲ 0.50% · 4.625%
HK$18,017
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,966/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,779
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,256
−HK$484/mo
Today · 4.125%
HK$18,740
baseline
▲ 0.50% · 4.625%
HK$19,727
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,480/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,547
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,187
−HK$649/mo
Today · 4.125%
HK$21,836
baseline
▲ 0.50% · 4.625%
HK$23,165
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,672/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,859
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,472
−HK$622/mo
Today · 4.125%
HK$24,094
baseline
▲ 0.50% · 4.625%
HK$25,364
+HK$1,270/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,188/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,638 · 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).