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$11,410
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,765
−HK$360/mo
Today · 4.125%
HK$12,125
baseline
▲ 0.50% · 4.625%
HK$12,863
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,250/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,693
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,034
−HK$345/mo
Today · 4.125%
HK$13,379
baseline
▲ 0.50% · 4.625%
HK$14,085
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,758/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,692
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,118
−HK$433/mo
Today · 4.125%
HK$14,551
baseline
▲ 0.50% · 4.625%
HK$15,436
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,102/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,232
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$414/mo
Today · 4.125%
HK$16,055
baseline
▲ 0.50% · 4.625%
HK$16,901
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,110/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,974
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,471
−HK$505/mo
Today · 4.125%
HK$16,976
baseline
▲ 0.50% · 4.625%
HK$18,009
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,952/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,771
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,247
−HK$484/mo
Today · 4.125%
HK$18,731
baseline
▲ 0.50% · 4.625%
HK$19,718
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,462/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,538
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,177
−HK$649/mo
Today · 4.125%
HK$21,826
baseline
▲ 0.50% · 4.625%
HK$23,154
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,652/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,848
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,461
−HK$622/mo
Today · 4.125%
HK$24,083
baseline
▲ 0.50% · 4.625%
HK$25,352
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,166/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,586 · 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).