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$3,972
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,095
−HK$126/mo
Today · 4.125%
HK$4,221
baseline
▲ 0.50% · 4.625%
HK$4,478
+HK$257/mo
Deposit HK$871K · loan HK$871K · min. income ≈ HK$8,442/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$4,419
−HK$238/mo
▼ 0.25% · 3.875%
HK$4,537
−HK$120/mo
Today · 4.125%
HK$4,657
baseline
▲ 0.50% · 4.625%
HK$4,903
+HK$246/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$4,766
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,914
−HK$151/mo
Today · 4.125%
HK$5,065
baseline
▲ 0.50% · 4.625%
HK$5,373
+HK$308/mo
Deposit HK$697K · loan HK$1.05M · min. income ≈ HK$10,130/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$287/mo
▼ 0.25% · 3.875%
HK$5,445
−HK$144/mo
Today · 4.125%
HK$5,589
baseline
▲ 0.50% · 4.625%
HK$5,883
+HK$294/mo
Deposit HK$697K · loan HK$1.05M · min. income ≈ HK$11,178/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$5,561
−HK$348/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$175/mo
Today · 4.125%
HK$5,909
baseline
▲ 0.50% · 4.625%
HK$6,269
+HK$360/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$11,818/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$6,186
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,352
−HK$168/mo
Today · 4.125%
HK$6,520
baseline
▲ 0.50% · 4.625%
HK$6,864
+HK$344/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$13,040/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$7,149
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,372
−HK$226/mo
Today · 4.125%
HK$7,598
baseline
▲ 0.50% · 4.625%
HK$8,060
+HK$462/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,196/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$7,954
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,167
−HK$216/mo
Today · 4.125%
HK$8,383
baseline
▲ 0.50% · 4.625%
HK$8,825
+HK$442/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,766/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).