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$11,393
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,747
−HK$360/mo
Today · 4.125%
HK$12,107
baseline
▲ 0.50% · 4.625%
HK$12,844
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,214/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,674
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,014
−HK$345/mo
Today · 4.125%
HK$13,359
baseline
▲ 0.50% · 4.625%
HK$14,063
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,718/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,671
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,097
−HK$432/mo
Today · 4.125%
HK$14,529
baseline
▲ 0.50% · 4.625%
HK$15,413
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,058/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,209
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$414/mo
Today · 4.125%
HK$16,031
baseline
▲ 0.50% · 4.625%
HK$16,876
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,062/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,950
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,446
−HK$504/mo
Today · 4.125%
HK$16,950
baseline
▲ 0.50% · 4.625%
HK$17,981
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,900/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,744
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,220
−HK$483/mo
Today · 4.125%
HK$18,703
baseline
▲ 0.50% · 4.625%
HK$19,689
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,406/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,507
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,145
−HK$648/mo
Today · 4.125%
HK$21,793
baseline
▲ 0.50% · 4.625%
HK$23,119
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,586/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,814
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,426
−HK$620/mo
Today · 4.125%
HK$24,046
baseline
▲ 0.50% · 4.625%
HK$25,314
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,092/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,417 · 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).