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$11,419
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,774
−HK$361/mo
Today · 4.125%
HK$12,135
baseline
▲ 0.50% · 4.625%
HK$12,873
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,270/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,703
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,044
−HK$345/mo
Today · 4.125%
HK$13,389
baseline
▲ 0.50% · 4.625%
HK$14,095
+HK$706/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,778/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,702
−HK$860/mo
▼ 0.25% · 3.875%
HK$14,129
−HK$433/mo
Today · 4.125%
HK$14,562
baseline
▲ 0.50% · 4.625%
HK$15,448
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,124/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,244
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,653
−HK$414/mo
Today · 4.125%
HK$16,067
baseline
▲ 0.50% · 4.625%
HK$16,914
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,134/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,986
−HK$1,003/mo
▼ 0.25% · 3.875%
HK$16,483
−HK$506/mo
Today · 4.125%
HK$16,989
baseline
▲ 0.50% · 4.625%
HK$18,022
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$33,978/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,784
−HK$961/mo
▼ 0.25% · 3.875%
HK$18,261
−HK$484/mo
Today · 4.125%
HK$18,745
baseline
▲ 0.50% · 4.625%
HK$19,733
+HK$988/mo
Deposit HK$1.50M · loan HK$3.51M · min. income ≈ HK$37,490/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,554
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,193
−HK$649/mo
Today · 4.125%
HK$21,842
baseline
▲ 0.50% · 4.625%
HK$23,172
+HK$1,330/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,684/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,866
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,479
−HK$622/mo
Today · 4.125%
HK$24,101
baseline
▲ 0.50% · 4.625%
HK$25,371
+HK$1,270/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,202/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,672 · 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).