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$250/mo
▼ 0.25% · 3.875%
HK$4,096
−HK$126/mo
Today · 4.125%
HK$4,222
baseline
▲ 0.50% · 4.625%
HK$4,478
+HK$256/mo
Deposit HK$871K · loan HK$871K · min. income ≈ HK$8,444/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$239/mo
▼ 0.25% · 3.875%
HK$4,538
−HK$120/mo
Today · 4.125%
HK$4,658
baseline
▲ 0.50% · 4.625%
HK$4,904
+HK$246/mo
Deposit HK$871K · loan HK$871K · min. income ≈ HK$9,316/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$4,767
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,915
−HK$151/mo
Today · 4.125%
HK$5,066
baseline
▲ 0.50% · 4.625%
HK$5,374
+HK$308/mo
Deposit HK$697K · loan HK$1.05M · min. income ≈ HK$10,132/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$5,303
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,445
−HK$145/mo
Today · 4.125%
HK$5,590
baseline
▲ 0.50% · 4.625%
HK$5,884
+HK$294/mo
Deposit HK$697K · loan HK$1.05M · min. income ≈ HK$11,180/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$349/mo
▼ 0.25% · 3.875%
HK$5,734
−HK$176/mo
Today · 4.125%
HK$5,910
baseline
▲ 0.50% · 4.625%
HK$6,270
+HK$360/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$11,820/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$6,187
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,353
−HK$168/mo
Today · 4.125%
HK$6,521
baseline
▲ 0.50% · 4.625%
HK$6,865
+HK$344/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$13,042/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$7,150
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,373
−HK$226/mo
Today · 4.125%
HK$7,599
baseline
▲ 0.50% · 4.625%
HK$8,061
+HK$462/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,198/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$7,955
−HK$429/mo
▼ 0.25% · 3.875%
HK$8,168
−HK$216/mo
Today · 4.125%
HK$8,384
baseline
▲ 0.50% · 4.625%
HK$8,826
+HK$442/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,768/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).