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$11,421
−HK$717/mo
▼ 0.25% · 3.875%
HK$11,777
−HK$361/mo
Today · 4.125%
HK$12,138
baseline
▲ 0.50% · 4.625%
HK$12,876
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,276/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,706
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,047
−HK$346/mo
Today · 4.125%
HK$13,393
baseline
▲ 0.50% · 4.625%
HK$14,099
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,786/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,706
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,132
−HK$433/mo
Today · 4.125%
HK$14,565
baseline
▲ 0.50% · 4.625%
HK$15,451
+HK$886/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$29,130/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,247
−HK$824/mo
▼ 0.25% · 3.875%
HK$15,656
−HK$415/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$16,918
+HK$847/mo
Deposit HK$2.00M · loan HK$3.01M · min. income ≈ HK$32,142/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,990
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,487
−HK$506/mo
Today · 4.125%
HK$16,993
baseline
▲ 0.50% · 4.625%
HK$18,027
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,986/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,789
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,266
−HK$484/mo
Today · 4.125%
HK$18,750
baseline
▲ 0.50% · 4.625%
HK$19,738
+HK$988/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,500/mo (50% DSR)
Upfront cash ≈ HK$1.62M (deposit + AVD stamp duty HK$112,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,559
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,198
−HK$650/mo
Today · 4.125%
HK$21,848
baseline
▲ 0.50% · 4.625%
HK$23,177
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,696/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,871
−HK$1,236/mo
▼ 0.25% · 3.875%
HK$23,485
−HK$622/mo
Today · 4.125%
HK$24,107
baseline
▲ 0.50% · 4.625%
HK$25,378
+HK$1,271/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,214/mo (50% DSR)
Upfront cash ≈ HK$614K (deposit + AVD stamp duty HK$112,699 · 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).