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$3,990
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,114
−HK$127/mo
Today · 4.125%
HK$4,241
baseline
▲ 0.50% · 4.625%
HK$4,499
+HK$258/mo
Deposit HK$875K · loan HK$875K · min. income ≈ HK$8,482/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,439
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,558
−HK$121/mo
Today · 4.125%
HK$4,679
baseline
▲ 0.50% · 4.625%
HK$4,926
+HK$247/mo
Deposit HK$875K · loan HK$875K · min. income ≈ HK$9,358/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,788
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,937
−HK$152/mo
Today · 4.125%
HK$5,089
baseline
▲ 0.50% · 4.625%
HK$5,398
+HK$309/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$10,178/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,327
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,470
−HK$145/mo
Today · 4.125%
HK$5,615
baseline
▲ 0.50% · 4.625%
HK$5,911
+HK$296/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$11,230/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,586
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$177/mo
Today · 4.125%
HK$5,937
baseline
▲ 0.50% · 4.625%
HK$6,298
+HK$361/mo
Deposit HK$525K · loan HK$1.22M · min. income ≈ HK$11,874/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,215
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,382
−HK$169/mo
Today · 4.125%
HK$6,551
baseline
▲ 0.50% · 4.625%
HK$6,896
+HK$345/mo
Deposit HK$525K · loan HK$1.22M · min. income ≈ HK$13,102/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,183
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,406
−HK$227/mo
Today · 4.125%
HK$7,633
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$464/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,266/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$7,990
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,205
−HK$217/mo
Today · 4.125%
HK$8,422
baseline
▲ 0.50% · 4.625%
HK$8,866
+HK$444/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,844/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).