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$3,966
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,090
−HK$125/mo
Today · 4.125%
HK$4,215
baseline
▲ 0.50% · 4.625%
HK$4,471
+HK$256/mo
Deposit HK$870K · loan HK$870K · min. income ≈ HK$8,430/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$4,412
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,531
−HK$120/mo
Today · 4.125%
HK$4,651
baseline
▲ 0.50% · 4.625%
HK$4,896
+HK$245/mo
Deposit HK$870K · loan HK$870K · min. income ≈ HK$9,302/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$4,759
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,907
−HK$151/mo
Today · 4.125%
HK$5,058
baseline
▲ 0.50% · 4.625%
HK$5,366
+HK$308/mo
Deposit HK$696K · loan HK$1.04M · min. income ≈ HK$10,116/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$5,295
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,437
−HK$144/mo
Today · 4.125%
HK$5,581
baseline
▲ 0.50% · 4.625%
HK$5,875
+HK$294/mo
Deposit HK$696K · loan HK$1.04M · min. income ≈ HK$11,162/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$5,553
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,725
−HK$176/mo
Today · 4.125%
HK$5,901
baseline
▲ 0.50% · 4.625%
HK$6,260
+HK$359/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$11,802/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$6,177
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,343
−HK$168/mo
Today · 4.125%
HK$6,511
baseline
▲ 0.50% · 4.625%
HK$6,854
+HK$343/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$13,022/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$7,139
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,361
−HK$226/mo
Today · 4.125%
HK$7,587
baseline
▲ 0.50% · 4.625%
HK$8,048
+HK$461/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,174/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$7,942
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,155
−HK$216/mo
Today · 4.125%
HK$8,371
baseline
▲ 0.50% · 4.625%
HK$8,813
+HK$442/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,742/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).