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$250/mo
▼ 0.25% · 3.875%
HK$4,114
−HK$126/mo
Today · 4.125%
HK$4,240
baseline
▲ 0.50% · 4.625%
HK$4,498
+HK$258/mo
Deposit HK$875K · loan HK$875K · min. income ≈ HK$8,480/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$4,925
+HK$246/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$300/mo
▼ 0.25% · 3.875%
HK$4,937
−HK$151/mo
Today · 4.125%
HK$5,088
baseline
▲ 0.50% · 4.625%
HK$5,398
+HK$310/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$10,176/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$287/mo
▼ 0.25% · 3.875%
HK$5,469
−HK$145/mo
Today · 4.125%
HK$5,614
baseline
▲ 0.50% · 4.625%
HK$5,910
+HK$296/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$11,228/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$350/mo
▼ 0.25% · 3.875%
HK$5,760
−HK$176/mo
Today · 4.125%
HK$5,936
baseline
▲ 0.50% · 4.625%
HK$6,297
+HK$361/mo
Deposit HK$525K · loan HK$1.22M · min. income ≈ HK$11,872/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$6,214
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,381
−HK$169/mo
Today · 4.125%
HK$6,550
baseline
▲ 0.50% · 4.625%
HK$6,895
+HK$345/mo
Deposit HK$525K · loan HK$1.22M · min. income ≈ HK$13,100/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$7,182
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,405
−HK$227/mo
Today · 4.125%
HK$7,632
baseline
▲ 0.50% · 4.625%
HK$8,097
+HK$465/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,264/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$431/mo
▼ 0.25% · 3.875%
HK$8,204
−HK$217/mo
Today · 4.125%
HK$8,421
baseline
▲ 0.50% · 4.625%
HK$8,865
+HK$444/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,842/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).