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$11,407
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,762
−HK$360/mo
Today · 4.125%
HK$12,122
baseline
▲ 0.50% · 4.625%
HK$12,860
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,244/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,690
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$345/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,081
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,752/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,688
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,114
−HK$433/mo
Today · 4.125%
HK$14,547
baseline
▲ 0.50% · 4.625%
HK$15,432
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,094/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,228
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$414/mo
Today · 4.125%
HK$16,051
baseline
▲ 0.50% · 4.625%
HK$16,897
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,102/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,970
−HK$1,001/mo
▼ 0.25% · 3.875%
HK$16,467
−HK$504/mo
Today · 4.125%
HK$16,971
baseline
▲ 0.50% · 4.625%
HK$18,004
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,942/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,766
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,243
−HK$483/mo
Today · 4.125%
HK$18,726
baseline
▲ 0.50% · 4.625%
HK$19,713
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,452/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,533
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,171
−HK$649/mo
Today · 4.125%
HK$21,820
baseline
▲ 0.50% · 4.625%
HK$23,148
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,640/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,842
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,455
−HK$621/mo
Today · 4.125%
HK$24,076
baseline
▲ 0.50% · 4.625%
HK$25,345
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,152/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,557 · 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).