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$11,386
−HK$714/mo
▼ 0.25% · 3.875%
HK$11,740
−HK$360/mo
Today · 4.125%
HK$12,100
baseline
▲ 0.50% · 4.625%
HK$12,836
+HK$736/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$24,200/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,666
−HK$685/mo
▼ 0.25% · 3.875%
HK$13,006
−HK$345/mo
Today · 4.125%
HK$13,351
baseline
▲ 0.50% · 4.625%
HK$14,054
+HK$703/mo
Deposit HK$2.50M · loan HK$2.50M · min. income ≈ HK$26,702/mo (50% DSR)
Upfront cash ≈ HK$2.61M (deposit + AVD stamp duty HK$112,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,663
−HK$856/mo
▼ 0.25% · 3.875%
HK$14,088
−HK$431/mo
Today · 4.125%
HK$14,519
baseline
▲ 0.50% · 4.625%
HK$15,403
+HK$884/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$29,038/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,200
−HK$821/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$414/mo
Today · 4.125%
HK$16,021
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$844/mo
Deposit HK$2.00M · loan HK$3.00M · min. income ≈ HK$32,042/mo (50% DSR)
Upfront cash ≈ HK$2.11M (deposit + AVD stamp duty HK$112,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,940
−HK$999/mo
▼ 0.25% · 3.875%
HK$16,436
−HK$503/mo
Today · 4.125%
HK$16,939
baseline
▲ 0.50% · 4.625%
HK$17,970
+HK$1,031/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$33,878/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,733
−HK$958/mo
▼ 0.25% · 3.875%
HK$18,208
−HK$483/mo
Today · 4.125%
HK$18,691
baseline
▲ 0.50% · 4.625%
HK$19,676
+HK$985/mo
Deposit HK$1.50M · loan HK$3.50M · min. income ≈ HK$37,382/mo (50% DSR)
Upfront cash ≈ HK$1.61M (deposit + AVD stamp duty HK$112,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,494
−HK$1,285/mo
▼ 0.25% · 3.875%
HK$21,132
−HK$647/mo
Today · 4.125%
HK$21,779
baseline
▲ 0.50% · 4.625%
HK$23,104
+HK$1,325/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$43,558/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,799
−HK$1,232/mo
▼ 0.25% · 3.875%
HK$23,411
−HK$620/mo
Today · 4.125%
HK$24,031
baseline
▲ 0.50% · 4.625%
HK$25,298
+HK$1,267/mo
Deposit HK$499K · loan HK$4.49M · min. income ≈ HK$48,062/mo (50% DSR)
Upfront cash ≈ HK$612K (deposit + AVD stamp duty HK$112,346 · 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).