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$11,404
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,759
−HK$360/mo
Today · 4.125%
HK$12,119
baseline
▲ 0.50% · 4.625%
HK$12,856
+HK$737/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,238/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,687
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,027
−HK$345/mo
Today · 4.125%
HK$13,372
baseline
▲ 0.50% · 4.625%
HK$14,077
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,744/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,685
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,110
−HK$433/mo
Today · 4.125%
HK$14,543
baseline
▲ 0.50% · 4.625%
HK$15,428
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,086/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,224
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$415/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$16,892
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,965
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,462
−HK$505/mo
Today · 4.125%
HK$16,967
baseline
▲ 0.50% · 4.625%
HK$17,999
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,934/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,761
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,238
−HK$483/mo
Today · 4.125%
HK$18,721
baseline
▲ 0.50% · 4.625%
HK$19,708
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,442/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,527
−HK$1,287/mo
▼ 0.25% · 3.875%
HK$21,166
−HK$648/mo
Today · 4.125%
HK$21,814
baseline
▲ 0.50% · 4.625%
HK$23,142
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,628/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,836
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,449
−HK$621/mo
Today · 4.125%
HK$24,070
baseline
▲ 0.50% · 4.625%
HK$25,339
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,140/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,527 · 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).