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$11,408
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,763
−HK$361/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,862
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,248/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,692
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$345/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,754/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,690
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,116
−HK$433/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,434
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,098/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,230
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$414/mo
Today · 4.125%
HK$16,053
baseline
▲ 0.50% · 4.625%
HK$16,899
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,106/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,972
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,469
−HK$504/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$18,006
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,769
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,245
−HK$483/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$988/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,535
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,174
−HK$649/mo
Today · 4.125%
HK$21,823
baseline
▲ 0.50% · 4.625%
HK$23,151
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,646/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,571 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,845
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,458
−HK$621/mo
Today · 4.125%
HK$24,079
baseline
▲ 0.50% · 4.625%
HK$25,349
+HK$1,270/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,158/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,571 · 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).