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$11,414
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$361/mo
Today · 4.125%
HK$12,130
baseline
▲ 0.50% · 4.625%
HK$12,868
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,260/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,698
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,039
−HK$345/mo
Today · 4.125%
HK$13,384
baseline
▲ 0.50% · 4.625%
HK$14,090
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,768/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,697
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,123
−HK$433/mo
Today · 4.125%
HK$14,556
baseline
▲ 0.50% · 4.625%
HK$15,442
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,112/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,238
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,647
−HK$414/mo
Today · 4.125%
HK$16,061
baseline
▲ 0.50% · 4.625%
HK$16,908
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,122/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,980
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,477
−HK$505/mo
Today · 4.125%
HK$16,982
baseline
▲ 0.50% · 4.625%
HK$18,016
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,964/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,778
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,255
−HK$483/mo
Today · 4.125%
HK$18,738
baseline
▲ 0.50% · 4.625%
HK$19,726
+HK$988/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,476/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,546
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,185
−HK$649/mo
Today · 4.125%
HK$21,834
baseline
▲ 0.50% · 4.625%
HK$23,163
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,668/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,857
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,470
−HK$622/mo
Today · 4.125%
HK$24,092
baseline
▲ 0.50% · 4.625%
HK$25,362
+HK$1,270/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,184/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,630 · 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).