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$11,383
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,737
−HK$360/mo
Today · 4.125%
HK$12,097
baseline
▲ 0.50% · 4.625%
HK$12,833
+HK$736/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,194/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,664
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,003
−HK$345/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,051
+HK$703/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,696/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,660
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$431/mo
Today · 4.125%
HK$14,516
baseline
▲ 0.50% · 4.625%
HK$15,400
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,032/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,196
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$413/mo
Today · 4.125%
HK$16,017
baseline
▲ 0.50% · 4.625%
HK$16,862
+HK$845/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,034/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,936
−HK$1,000/mo
▼ 0.25% · 3.875%
HK$16,432
−HK$504/mo
Today · 4.125%
HK$16,936
baseline
▲ 0.50% · 4.625%
HK$17,966
+HK$1,030/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$33,872/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,729
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$482/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,672
+HK$985/mo
Deposit HK$1.50M · loan HK$3.49M · min. income ≈ HK$37,374/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,490
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,127
−HK$648/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$23,099
+HK$1,324/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,550/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,321 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,231/mo
▼ 0.25% · 3.875%
HK$23,406
−HK$620/mo
Today · 4.125%
HK$24,026
baseline
▲ 0.50% · 4.625%
HK$25,292
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,052/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,321 · 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).