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$11,401
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,755
−HK$361/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,853
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,232/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,683
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,023
−HK$346/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,073
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,738/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,681
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$432/mo
Today · 4.125%
HK$14,539
baseline
▲ 0.50% · 4.625%
HK$15,424
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,078/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$414/mo
Today · 4.125%
HK$16,042
baseline
▲ 0.50% · 4.625%
HK$16,888
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,084/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,961
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,458
−HK$504/mo
Today · 4.125%
HK$16,962
baseline
▲ 0.50% · 4.625%
HK$17,994
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,924/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,757
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,233
−HK$483/mo
Today · 4.125%
HK$18,716
baseline
▲ 0.50% · 4.625%
HK$19,703
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,432/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,522
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,160
−HK$648/mo
Today · 4.125%
HK$21,808
baseline
▲ 0.50% · 4.625%
HK$23,135
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,616/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,830
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,442
−HK$621/mo
Today · 4.125%
HK$24,063
baseline
▲ 0.50% · 4.625%
HK$25,332
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,126/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,496 · 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).