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$11,408
−HK$715/mo
▼ 0.25% · 3.875%
HK$11,763
−HK$360/mo
Today · 4.125%
HK$12,123
baseline
▲ 0.50% · 4.625%
HK$12,861
+HK$738/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,246/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,691
−HK$686/mo
▼ 0.25% · 3.875%
HK$13,032
−HK$345/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,082
+HK$705/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,754/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,689
−HK$859/mo
▼ 0.25% · 3.875%
HK$14,115
−HK$433/mo
Today · 4.125%
HK$14,548
baseline
▲ 0.50% · 4.625%
HK$15,433
+HK$885/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,096/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,229
−HK$823/mo
▼ 0.25% · 3.875%
HK$15,638
−HK$414/mo
Today · 4.125%
HK$16,052
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$846/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,104/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,971
−HK$1,002/mo
▼ 0.25% · 3.875%
HK$16,468
−HK$505/mo
Today · 4.125%
HK$16,973
baseline
▲ 0.50% · 4.625%
HK$18,005
+HK$1,032/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,946/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,768
−HK$960/mo
▼ 0.25% · 3.875%
HK$18,244
−HK$484/mo
Today · 4.125%
HK$18,728
baseline
▲ 0.50% · 4.625%
HK$19,715
+HK$987/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,456/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,534
−HK$1,288/mo
▼ 0.25% · 3.875%
HK$21,173
−HK$649/mo
Today · 4.125%
HK$21,822
baseline
▲ 0.50% · 4.625%
HK$23,150
+HK$1,328/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$43,644/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,844
−HK$1,234/mo
▼ 0.25% · 3.875%
HK$23,457
−HK$621/mo
Today · 4.125%
HK$24,078
baseline
▲ 0.50% · 4.625%
HK$25,347
+HK$1,269/mo
Deposit HK$500K · loan HK$4.50M · min. income ≈ HK$48,156/mo (50% DSR)
Upfront cash ≈ HK$613K (deposit + AVD stamp duty HK$112,566 · 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).