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$3,978
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,101
−HK$126/mo
Today · 4.125%
HK$4,227
baseline
▲ 0.50% · 4.625%
HK$4,484
+HK$257/mo
Deposit HK$872K · loan HK$872K · min. income ≈ HK$8,454/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,425
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,544
−HK$120/mo
Today · 4.125%
HK$4,664
baseline
▲ 0.50% · 4.625%
HK$4,910
+HK$246/mo
Deposit HK$872K · loan HK$872K · min. income ≈ HK$9,328/mo (50% DSR)
Upfront cash ≈ HK$872K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,773
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,922
−HK$150/mo
Today · 4.125%
HK$5,072
baseline
▲ 0.50% · 4.625%
HK$5,381
+HK$309/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$10,144/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,310
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,452
−HK$145/mo
Today · 4.125%
HK$5,597
baseline
▲ 0.50% · 4.625%
HK$5,892
+HK$295/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$11,194/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,569
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,742
−HK$176/mo
Today · 4.125%
HK$5,918
baseline
▲ 0.50% · 4.625%
HK$6,278
+HK$360/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$11,836/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$6,195
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,361
−HK$169/mo
Today · 4.125%
HK$6,530
baseline
▲ 0.50% · 4.625%
HK$6,874
+HK$344/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$13,060/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$7,160
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,382
−HK$227/mo
Today · 4.125%
HK$7,609
baseline
▲ 0.50% · 4.625%
HK$8,072
+HK$463/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,218/mo (50% DSR)
Upfront cash ≈ HK$175K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,965
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,179
−HK$216/mo
Today · 4.125%
HK$8,395
baseline
▲ 0.50% · 4.625%
HK$8,838
+HK$443/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,790/mo (50% DSR)
Upfront cash ≈ HK$175K (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).