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$3,999
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,123
−HK$127/mo
Today · 4.125%
HK$4,250
baseline
▲ 0.50% · 4.625%
HK$4,508
+HK$258/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$8,500/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,449
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,568
−HK$121/mo
Today · 4.125%
HK$4,689
baseline
▲ 0.50% · 4.625%
HK$4,936
+HK$247/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$9,378/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,799
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,948
−HK$151/mo
Today · 4.125%
HK$5,099
baseline
▲ 0.50% · 4.625%
HK$5,410
+HK$311/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$10,198/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$5,338
−HK$289/mo
▼ 0.25% · 3.875%
HK$5,481
−HK$146/mo
Today · 4.125%
HK$5,627
baseline
▲ 0.50% · 4.625%
HK$5,923
+HK$296/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$11,254/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$5,598
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,772
−HK$177/mo
Today · 4.125%
HK$5,949
baseline
▲ 0.50% · 4.625%
HK$6,311
+HK$362/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$11,898/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$6,228
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,395
−HK$169/mo
Today · 4.125%
HK$6,564
baseline
▲ 0.50% · 4.625%
HK$6,911
+HK$347/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$13,128/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$7,198
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,422
−HK$227/mo
Today · 4.125%
HK$7,649
baseline
▲ 0.50% · 4.625%
HK$8,115
+HK$466/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,298/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$8,007
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,222
−HK$218/mo
Today · 4.125%
HK$8,440
baseline
▲ 0.50% · 4.625%
HK$8,885
+HK$445/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,880/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).