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$11,412
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,767
−HK$361/mo
Today · 4.125%
HK$12,128
baseline
▲ 0.50% · 4.625%
HK$12,866
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,256/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,696
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,037
−HK$345/mo
Today · 4.125%
HK$13,382
baseline
▲ 0.50% · 4.625%
HK$14,088
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,764/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,695
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,121
−HK$433/mo
Today · 4.125%
HK$14,554
baseline
▲ 0.50% · 4.625%
HK$15,439
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,108/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,235
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$415/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$16,905
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,977
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,474
−HK$505/mo
Today · 4.125%
HK$16,979
baseline
▲ 0.50% · 4.625%
HK$18,013
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,958/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,775
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,251
−HK$484/mo
Today · 4.125%
HK$18,735
baseline
▲ 0.50% · 4.625%
HK$19,723
+HK$988/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,470/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,542
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,181
−HK$650/mo
Today · 4.125%
HK$21,831
baseline
▲ 0.50% · 4.625%
HK$23,159
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,662/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,853
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,466
−HK$622/mo
Today · 4.125%
HK$24,088
baseline
▲ 0.50% · 4.625%
HK$25,358
+HK$1,270/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,176/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,611 · 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).