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$11,421
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,776
−HK$361/mo
Today · 4.125%
HK$12,137
baseline
▲ 0.50% · 4.625%
HK$12,875
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,274/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,705
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,046
−HK$346/mo
Today · 4.125%
HK$13,392
baseline
▲ 0.50% · 4.625%
HK$14,098
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,784/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,705
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,131
−HK$433/mo
Today · 4.125%
HK$14,564
baseline
▲ 0.50% · 4.625%
HK$15,450
+HK$886/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,128/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,246
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$415/mo
Today · 4.125%
HK$16,070
baseline
▲ 0.50% · 4.625%
HK$16,917
+HK$847/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,140/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,989
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,486
−HK$505/mo
Today · 4.125%
HK$16,991
baseline
▲ 0.50% · 4.625%
HK$18,025
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,982/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,787
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,264
−HK$484/mo
Today · 4.125%
HK$18,748
baseline
▲ 0.50% · 4.625%
HK$19,737
+HK$989/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,496/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,557
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,196
−HK$650/mo
Today · 4.125%
HK$21,846
baseline
▲ 0.50% · 4.625%
HK$23,175
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,692/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,869
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,483
−HK$622/mo
Today · 4.125%
HK$24,105
baseline
▲ 0.50% · 4.625%
HK$25,376
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,210/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,691 · 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).