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$3,976
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,100
−HK$126/mo
Today · 4.125%
HK$4,226
baseline
▲ 0.50% · 4.625%
HK$4,483
+HK$257/mo
Deposit HK$872K · loan HK$872K · min. income ≈ HK$8,452/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,424
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,542
−HK$121/mo
Today · 4.125%
HK$4,663
baseline
▲ 0.50% · 4.625%
HK$4,909
+HK$246/mo
Deposit HK$872K · loan HK$872K · min. income ≈ HK$9,326/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,772
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,920
−HK$151/mo
Today · 4.125%
HK$5,071
baseline
▲ 0.50% · 4.625%
HK$5,379
+HK$308/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$10,142/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,308
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,451
−HK$144/mo
Today · 4.125%
HK$5,595
baseline
▲ 0.50% · 4.625%
HK$5,890
+HK$295/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$11,190/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,567
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,740
−HK$176/mo
Today · 4.125%
HK$5,916
baseline
▲ 0.50% · 4.625%
HK$6,276
+HK$360/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$11,832/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,193
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,359
−HK$169/mo
Today · 4.125%
HK$6,528
baseline
▲ 0.50% · 4.625%
HK$6,872
+HK$344/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$13,056/mo (50% DSR)
Upfront cash ≈ HK$523K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,158
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,380
−HK$226/mo
Today · 4.125%
HK$7,606
baseline
▲ 0.50% · 4.625%
HK$8,069
+HK$463/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,212/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,963
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,176
−HK$217/mo
Today · 4.125%
HK$8,393
baseline
▲ 0.50% · 4.625%
HK$8,835
+HK$442/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,786/mo (50% DSR)
Upfront cash ≈ HK$174K (deposit + AVD stamp duty HK$100 · 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).