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$3,996
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,120
−HK$126/mo
Today · 4.125%
HK$4,246
baseline
▲ 0.50% · 4.625%
HK$4,505
+HK$259/mo
Deposit HK$876K · loan HK$876K · min. income ≈ HK$8,492/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,445
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,565
−HK$120/mo
Today · 4.125%
HK$4,685
baseline
▲ 0.50% · 4.625%
HK$4,932
+HK$247/mo
Deposit HK$876K · loan HK$876K · min. income ≈ HK$9,370/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,795
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,944
−HK$152/mo
Today · 4.125%
HK$5,096
baseline
▲ 0.50% · 4.625%
HK$5,406
+HK$310/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$10,192/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,334
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$146/mo
Today · 4.125%
HK$5,623
baseline
▲ 0.50% · 4.625%
HK$5,919
+HK$296/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$11,246/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,594
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,768
−HK$177/mo
Today · 4.125%
HK$5,945
baseline
▲ 0.50% · 4.625%
HK$6,307
+HK$362/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$11,890/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,223
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,390
−HK$170/mo
Today · 4.125%
HK$6,560
baseline
▲ 0.50% · 4.625%
HK$6,905
+HK$345/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$13,120/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,192
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,416
−HK$227/mo
Today · 4.125%
HK$7,643
baseline
▲ 0.50% · 4.625%
HK$8,109
+HK$466/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,286/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$8,002
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,216
−HK$218/mo
Today · 4.125%
HK$8,434
baseline
▲ 0.50% · 4.625%
HK$8,878
+HK$444/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,868/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).