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$3,967
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,091
−HK$125/mo
Today · 4.125%
HK$4,216
baseline
▲ 0.50% · 4.625%
HK$4,473
+HK$257/mo
Deposit HK$870K · loan HK$870K · min. income ≈ HK$8,432/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,414
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,532
−HK$120/mo
Today · 4.125%
HK$4,652
baseline
▲ 0.50% · 4.625%
HK$4,897
+HK$245/mo
Deposit HK$870K · loan HK$870K · min. income ≈ HK$9,304/mo (50% DSR)
Upfront cash ≈ HK$870K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,761
−HK$298/mo
▼ 0.25% · 3.875%
HK$4,909
−HK$150/mo
Today · 4.125%
HK$5,059
baseline
▲ 0.50% · 4.625%
HK$5,367
+HK$308/mo
Deposit HK$696K · loan HK$1.04M · min. income ≈ HK$10,118/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,296
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,438
−HK$144/mo
Today · 4.125%
HK$5,582
baseline
▲ 0.50% · 4.625%
HK$5,877
+HK$295/mo
Deposit HK$696K · loan HK$1.04M · min. income ≈ HK$11,164/mo (50% DSR)
Upfront cash ≈ HK$696K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,554
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,727
−HK$175/mo
Today · 4.125%
HK$5,902
baseline
▲ 0.50% · 4.625%
HK$6,262
+HK$360/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$11,804/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,179
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,345
−HK$168/mo
Today · 4.125%
HK$6,513
baseline
▲ 0.50% · 4.625%
HK$6,856
+HK$343/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$13,026/mo (50% DSR)
Upfront cash ≈ HK$522K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,141
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,363
−HK$226/mo
Today · 4.125%
HK$7,589
baseline
▲ 0.50% · 4.625%
HK$8,051
+HK$462/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,178/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$7,944
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,157
−HK$217/mo
Today · 4.125%
HK$8,374
baseline
▲ 0.50% · 4.625%
HK$8,815
+HK$441/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,748/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).