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$11,394
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,749
−HK$360/mo
Today · 4.125%
HK$12,109
baseline
▲ 0.50% · 4.625%
HK$12,846
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,218/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,676
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$345/mo
Today · 4.125%
HK$13,361
baseline
▲ 0.50% · 4.625%
HK$14,065
+HK$704/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,722/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,673
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,099
−HK$432/mo
Today · 4.125%
HK$14,531
baseline
▲ 0.50% · 4.625%
HK$15,415
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,062/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,211
−HK$822/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$414/mo
Today · 4.125%
HK$16,033
baseline
▲ 0.50% · 4.625%
HK$16,878
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,066/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,952
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,448
−HK$504/mo
Today · 4.125%
HK$16,952
baseline
▲ 0.50% · 4.625%
HK$17,984
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,904/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,747
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,223
−HK$482/mo
Today · 4.125%
HK$18,705
baseline
▲ 0.50% · 4.625%
HK$19,691
+HK$986/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,410/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,510
−HK$1,286/mo
▼ 0.25% · 3.875%
HK$21,148
−HK$648/mo
Today · 4.125%
HK$21,796
baseline
▲ 0.50% · 4.625%
HK$23,122
+HK$1,326/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,592/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,817
−HK$1,233/mo
▼ 0.25% · 3.875%
HK$23,429
−HK$621/mo
Today · 4.125%
HK$24,050
baseline
▲ 0.50% · 4.625%
HK$25,318
+HK$1,268/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,100/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,433 · 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).