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$3,969
−HK$248/mo
▼ 0.25% · 3.875%
HK$4,092
−HK$125/mo
Today · 4.125%
HK$4,217
baseline
▲ 0.50% · 4.625%
HK$4,474
+HK$257/mo
Deposit HK$870K · loan HK$870K · min. income ≈ HK$8,434/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$4,415
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,533
−HK$121/mo
Today · 4.125%
HK$4,654
baseline
▲ 0.50% · 4.625%
HK$4,899
+HK$245/mo
Deposit HK$870K · loan HK$870K · min. income ≈ HK$9,308/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$4,762
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,910
−HK$151/mo
Today · 4.125%
HK$5,061
baseline
▲ 0.50% · 4.625%
HK$5,369
+HK$308/mo
Deposit HK$696K · loan HK$1.04M · min. income ≈ HK$10,122/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$5,298
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,440
−HK$144/mo
Today · 4.125%
HK$5,584
baseline
▲ 0.50% · 4.625%
HK$5,879
+HK$295/mo
Deposit HK$696K · loan HK$1.04M · min. income ≈ HK$11,168/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$5,556
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,729
−HK$175/mo
Today · 4.125%
HK$5,904
baseline
▲ 0.50% · 4.625%
HK$6,264
+HK$360/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$11,808/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$6,181
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,347
−HK$168/mo
Today · 4.125%
HK$6,515
baseline
▲ 0.50% · 4.625%
HK$6,858
+HK$343/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$13,030/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$7,143
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,366
−HK$225/mo
Today · 4.125%
HK$7,591
baseline
▲ 0.50% · 4.625%
HK$8,053
+HK$462/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,182/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$7,947
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,160
−HK$216/mo
Today · 4.125%
HK$8,376
baseline
▲ 0.50% · 4.625%
HK$8,818
+HK$442/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,752/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).