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$11,379
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,733
−HK$360/mo
Today · 4.125%
HK$12,093
baseline
▲ 0.50% · 4.625%
HK$12,828
+HK$735/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,186/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,659
−HK$684/mo
▼ 0.25% · 3.875%
HK$12,999
−HK$344/mo
Today · 4.125%
HK$13,343
baseline
▲ 0.50% · 4.625%
HK$14,046
+HK$703/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,686/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,655
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,080
−HK$431/mo
Today · 4.125%
HK$14,511
baseline
▲ 0.50% · 4.625%
HK$15,394
+HK$883/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$29,022/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,191
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,598
−HK$414/mo
Today · 4.125%
HK$16,012
baseline
▲ 0.50% · 4.625%
HK$16,856
+HK$844/mo
Deposit HK$2.00M · loan HK$2.99M · min. income ≈ HK$32,024/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,931
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,426
−HK$504/mo
Today · 4.125%
HK$16,930
baseline
▲ 0.50% · 4.625%
HK$17,960
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,860/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,723
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,198
−HK$482/mo
Today · 4.125%
HK$18,680
baseline
▲ 0.50% · 4.625%
HK$19,665
+HK$985/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,360/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,482
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,119
−HK$648/mo
Today · 4.125%
HK$21,767
baseline
▲ 0.50% · 4.625%
HK$23,091
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,534/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,786
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,397
−HK$620/mo
Today · 4.125%
HK$24,017
baseline
▲ 0.50% · 4.625%
HK$25,283
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,034/mo (50% DSR)
Upfront cash ≈ HK$611K (deposit + AVD stamp duty HK$112,281 · 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).