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$11,756
−HK$360/mo
Today · 4.125%
HK$12,116
baseline
▲ 0.50% · 4.625%
HK$12,854
+HK$738/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$112,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,684
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,024
−HK$345/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,074
+HK$705/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$112,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,682
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,107
−HK$433/mo
Today · 4.125%
HK$14,540
baseline
▲ 0.50% · 4.625%
HK$15,424
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,080/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,221
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$414/mo
Today · 4.125%
HK$16,043
baseline
▲ 0.50% · 4.625%
HK$16,889
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,086/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,962
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,459
−HK$504/mo
Today · 4.125%
HK$16,963
baseline
▲ 0.50% · 4.625%
HK$17,995
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,926/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,758
−HK$959/mo
▼ 0.25% · 3.875%
HK$18,234
−HK$483/mo
Today · 4.125%
HK$18,717
baseline
▲ 0.50% · 4.625%
HK$19,704
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,434/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,523
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,161
−HK$649/mo
Today · 4.125%
HK$21,810
baseline
▲ 0.50% · 4.625%
HK$23,137
+HK$1,327/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,620/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,831
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,444
−HK$621/mo
Today · 4.125%
HK$24,065
baseline
▲ 0.50% · 4.625%
HK$25,333
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,130/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,502 · 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).