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$11,738
−HK$359/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$112,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,664
−HK$684/mo
▼ 0.25% · 3.875%
HK$13,004
−HK$344/mo
Today · 4.125%
HK$13,348
baseline
▲ 0.50% · 4.625%
HK$14,052
+HK$704/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$112,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,660
−HK$857/mo
▼ 0.25% · 3.875%
HK$14,085
−HK$432/mo
Today · 4.125%
HK$14,517
baseline
▲ 0.50% · 4.625%
HK$15,400
+HK$883/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,034/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,197
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$414/mo
Today · 4.125%
HK$16,018
baseline
▲ 0.50% · 4.625%
HK$16,862
+HK$844/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,036/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,937
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,433
−HK$503/mo
Today · 4.125%
HK$16,936
baseline
▲ 0.50% · 4.625%
HK$17,967
+HK$1,031/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$112,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,730
−HK$957/mo
▼ 0.25% · 3.875%
HK$18,205
−HK$482/mo
Today · 4.125%
HK$18,687
baseline
▲ 0.50% · 4.625%
HK$19,673
+HK$986/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$112,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,490
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,128
−HK$647/mo
Today · 4.125%
HK$21,775
baseline
▲ 0.50% · 4.625%
HK$23,100
+HK$1,325/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$112,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,795
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,407
−HK$620/mo
Today · 4.125%
HK$24,027
baseline
▲ 0.50% · 4.625%
HK$25,293
+HK$1,266/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,054/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,325 · 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).