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$3,971
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,095
−HK$125/mo
Today · 4.125%
HK$4,220
baseline
▲ 0.50% · 4.625%
HK$4,477
+HK$257/mo
Deposit HK$871K · loan HK$871K · min. income ≈ HK$8,440/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,418
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,536
−HK$121/mo
Today · 4.125%
HK$4,657
baseline
▲ 0.50% · 4.625%
HK$4,902
+HK$245/mo
Deposit HK$871K · loan HK$871K · min. income ≈ HK$9,314/mo (50% DSR)
Upfront cash ≈ HK$871K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,765
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$150/mo
Today · 4.125%
HK$5,064
baseline
▲ 0.50% · 4.625%
HK$5,372
+HK$308/mo
Deposit HK$697K · loan HK$1.04M · min. income ≈ HK$10,128/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,302
−HK$286/mo
▼ 0.25% · 3.875%
HK$5,444
−HK$144/mo
Today · 4.125%
HK$5,588
baseline
▲ 0.50% · 4.625%
HK$5,882
+HK$294/mo
Deposit HK$697K · loan HK$1.04M · min. income ≈ HK$11,176/mo (50% DSR)
Upfront cash ≈ HK$697K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,560
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,733
−HK$175/mo
Today · 4.125%
HK$5,908
baseline
▲ 0.50% · 4.625%
HK$6,268
+HK$360/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$11,816/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$6,185
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,351
−HK$168/mo
Today · 4.125%
HK$6,519
baseline
▲ 0.50% · 4.625%
HK$6,863
+HK$344/mo
Deposit HK$522K · loan HK$1.22M · min. income ≈ HK$13,038/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$7,148
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,371
−HK$225/mo
Today · 4.125%
HK$7,596
baseline
▲ 0.50% · 4.625%
HK$8,059
+HK$463/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,192/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$7,952
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,166
−HK$216/mo
Today · 4.125%
HK$8,382
baseline
▲ 0.50% · 4.625%
HK$8,824
+HK$442/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,764/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).