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$3,983
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,107
−HK$126/mo
Today · 4.125%
HK$4,233
baseline
▲ 0.50% · 4.625%
HK$4,490
+HK$257/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$8,466/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,431
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,550
−HK$121/mo
Today · 4.125%
HK$4,671
baseline
▲ 0.50% · 4.625%
HK$4,917
+HK$246/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$9,342/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,780
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,928
−HK$151/mo
Today · 4.125%
HK$5,079
baseline
▲ 0.50% · 4.625%
HK$5,388
+HK$309/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$10,158/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,317
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,460
−HK$145/mo
Today · 4.125%
HK$5,605
baseline
▲ 0.50% · 4.625%
HK$5,900
+HK$295/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$11,210/mo (50% DSR)
Upfront cash ≈ HK$699K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,576
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,750
−HK$176/mo
Today · 4.125%
HK$5,926
baseline
▲ 0.50% · 4.625%
HK$6,287
+HK$361/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$11,852/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,204
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,370
−HK$169/mo
Today · 4.125%
HK$6,539
baseline
▲ 0.50% · 4.625%
HK$6,883
+HK$344/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$13,078/mo (50% DSR)
Upfront cash ≈ HK$524K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,170
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,393
−HK$226/mo
Today · 4.125%
HK$7,619
baseline
▲ 0.50% · 4.625%
HK$8,083
+HK$464/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,238/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$7,976
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,190
−HK$217/mo
Today · 4.125%
HK$8,407
baseline
▲ 0.50% · 4.625%
HK$8,850
+HK$443/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,814/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).