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$11,416
−HK$716/mo
▼ 0.25% · 3.875%
HK$11,771
−HK$361/mo
Today · 4.125%
HK$12,132
baseline
▲ 0.50% · 4.625%
HK$12,870
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,264/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,700
−HK$687/mo
▼ 0.25% · 3.875%
HK$13,041
−HK$346/mo
Today · 4.125%
HK$13,387
baseline
▲ 0.50% · 4.625%
HK$14,092
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,774/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,700
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,126
−HK$433/mo
Today · 4.125%
HK$14,559
baseline
▲ 0.50% · 4.625%
HK$15,444
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,118/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,241
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$415/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,128/mo (50% DSR)
Upfront cash ≈ HK$2.12M (deposit + AVD stamp duty HK$112,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,983
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,480
−HK$505/mo
Today · 4.125%
HK$16,985
baseline
▲ 0.50% · 4.625%
HK$18,019
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,970/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,781
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,258
−HK$483/mo
Today · 4.125%
HK$18,741
baseline
▲ 0.50% · 4.625%
HK$19,729
+HK$988/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,482/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,549
−HK$1,289/mo
▼ 0.25% · 3.875%
HK$21,188
−HK$650/mo
Today · 4.125%
HK$21,838
baseline
▲ 0.50% · 4.625%
HK$23,167
+HK$1,329/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$43,676/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,861
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,474
−HK$622/mo
Today · 4.125%
HK$24,096
baseline
▲ 0.50% · 4.625%
HK$25,366
+HK$1,270/mo
Deposit HK$501K · loan HK$4.51M · min. income ≈ HK$48,192/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,648 · 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).