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$3,974
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,097
−HK$126/mo
Today · 4.125%
HK$4,223
baseline
▲ 0.50% · 4.625%
HK$4,480
+HK$257/mo
Deposit HK$871K · loan HK$871K · min. income ≈ HK$8,446/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$4,421
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,539
−HK$121/mo
Today · 4.125%
HK$4,660
baseline
▲ 0.50% · 4.625%
HK$4,905
+HK$245/mo
Deposit HK$871K · loan HK$871K · min. income ≈ HK$9,320/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$4,769
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,917
−HK$151/mo
Today · 4.125%
HK$5,068
baseline
▲ 0.50% · 4.625%
HK$5,376
+HK$308/mo
Deposit HK$697K · loan HK$1.05M · min. income ≈ HK$10,136/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$5,305
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,447
−HK$145/mo
Today · 4.125%
HK$5,592
baseline
▲ 0.50% · 4.625%
HK$5,886
+HK$294/mo
Deposit HK$697K · loan HK$1.05M · min. income ≈ HK$11,184/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$5,563
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,736
−HK$176/mo
Today · 4.125%
HK$5,912
baseline
▲ 0.50% · 4.625%
HK$6,272
+HK$360/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$11,824/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$6,189
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,355
−HK$168/mo
Today · 4.125%
HK$6,523
baseline
▲ 0.50% · 4.625%
HK$6,867
+HK$344/mo
Deposit HK$523K · loan HK$1.22M · min. income ≈ HK$13,046/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$7,153
−HK$448/mo
▼ 0.25% · 3.875%
HK$7,375
−HK$226/mo
Today · 4.125%
HK$7,601
baseline
▲ 0.50% · 4.625%
HK$8,064
+HK$463/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$15,202/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$7,957
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,171
−HK$216/mo
Today · 4.125%
HK$8,387
baseline
▲ 0.50% · 4.625%
HK$8,829
+HK$442/mo
Deposit HK$174K · loan HK$1.57M · min. income ≈ HK$16,774/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).