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$11,409
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,764
−HK$360/mo
Today · 4.125%
HK$12,124
baseline
▲ 0.50% · 4.625%
HK$12,862
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,248/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,692
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,033
−HK$345/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,083
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,756/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,691
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,116
−HK$433/mo
Today · 4.125%
HK$14,549
baseline
▲ 0.50% · 4.625%
HK$15,434
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,098/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,231
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,639
−HK$415/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$16,900
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,108/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,972
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,469
−HK$505/mo
Today · 4.125%
HK$16,974
baseline
▲ 0.50% · 4.625%
HK$18,007
+HK$1,033/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,948/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,769
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,246
−HK$483/mo
Today · 4.125%
HK$18,729
baseline
▲ 0.50% · 4.625%
HK$19,716
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,458/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,536
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,175
−HK$649/mo
Today · 4.125%
HK$21,824
baseline
▲ 0.50% · 4.625%
HK$23,152
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,648/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,846
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,459
−HK$621/mo
Today · 4.125%
HK$24,080
baseline
▲ 0.50% · 4.625%
HK$25,350
+HK$1,270/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,160/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,575 · 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).