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$11,414
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,769
−HK$360/mo
Today · 4.125%
HK$12,129
baseline
▲ 0.50% · 4.625%
HK$12,868
+HK$739/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,258/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,698
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,038
−HK$346/mo
Today · 4.125%
HK$13,384
baseline
▲ 0.50% · 4.625%
HK$14,089
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,768/mo (50% DSR)
Upfront cash ≈ HK$2.62M (deposit + AVD stamp duty HK$112,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,697
−HK$858/mo
▼ 0.25% · 3.875%
HK$14,123
−HK$432/mo
Today · 4.125%
HK$14,555
baseline
▲ 0.50% · 4.625%
HK$15,441
+HK$886/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,110/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,237
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$414/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$847/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,120/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,979
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,476
−HK$505/mo
Today · 4.125%
HK$16,981
baseline
▲ 0.50% · 4.625%
HK$18,015
+HK$1,034/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,962/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,777
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,254
−HK$483/mo
Today · 4.125%
HK$18,737
baseline
▲ 0.50% · 4.625%
HK$19,725
+HK$988/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,474/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,545
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,184
−HK$649/mo
Today · 4.125%
HK$21,833
baseline
▲ 0.50% · 4.625%
HK$23,162
+HK$1,329/mo
Deposit HK$501K · loan HK$4.50M · min. income ≈ HK$43,666/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,856
−HK$1,235/mo
▼ 0.25% · 3.875%
HK$23,469
−HK$622/mo
Today · 4.125%
HK$24,091
baseline
▲ 0.50% · 4.625%
HK$25,361
+HK$1,270/mo
Deposit HK$501K · loan HK$4.50M · min. income ≈ HK$48,182/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,624 · 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).