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$4,002
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,126
−HK$126/mo
Today · 4.125%
HK$4,252
baseline
▲ 0.50% · 4.625%
HK$4,511
+HK$259/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$8,504/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,452
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,571
−HK$121/mo
Today · 4.125%
HK$4,692
baseline
▲ 0.50% · 4.625%
HK$4,939
+HK$247/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$9,384/mo (50% DSR)
Upfront cash ≈ HK$878K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,802
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,951
−HK$152/mo
Today · 4.125%
HK$5,103
baseline
▲ 0.50% · 4.625%
HK$5,413
+HK$310/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$10,206/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,342
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,485
−HK$146/mo
Today · 4.125%
HK$5,631
baseline
▲ 0.50% · 4.625%
HK$5,927
+HK$296/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$11,262/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,602
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,776
−HK$177/mo
Today · 4.125%
HK$5,953
baseline
▲ 0.50% · 4.625%
HK$6,316
+HK$363/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$11,906/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,232
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,399
−HK$170/mo
Today · 4.125%
HK$6,569
baseline
▲ 0.50% · 4.625%
HK$6,915
+HK$346/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$13,138/mo (50% DSR)
Upfront cash ≈ HK$527K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,203
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,427
−HK$227/mo
Today · 4.125%
HK$7,654
baseline
▲ 0.50% · 4.625%
HK$8,120
+HK$466/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,308/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,013
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,228
−HK$218/mo
Today · 4.125%
HK$8,446
baseline
▲ 0.50% · 4.625%
HK$8,891
+HK$445/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,892/mo (50% DSR)
Upfront cash ≈ HK$176K (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).