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$3,985
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,109
−HK$126/mo
Today · 4.125%
HK$4,235
baseline
▲ 0.50% · 4.625%
HK$4,493
+HK$258/mo
Deposit HK$874K · loan HK$874K · min. income ≈ HK$8,470/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,433
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,552
−HK$121/mo
Today · 4.125%
HK$4,673
baseline
▲ 0.50% · 4.625%
HK$4,919
+HK$246/mo
Deposit HK$874K · loan HK$874K · min. income ≈ HK$9,346/mo (50% DSR)
Upfront cash ≈ HK$874K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,782
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,931
−HK$151/mo
Today · 4.125%
HK$5,082
baseline
▲ 0.50% · 4.625%
HK$5,391
+HK$309/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$10,164/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$5,320
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$145/mo
Today · 4.125%
HK$5,608
baseline
▲ 0.50% · 4.625%
HK$5,903
+HK$295/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$11,216/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$5,579
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$176/mo
Today · 4.125%
HK$5,929
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$361/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$11,858/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$6,207
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,373
−HK$169/mo
Today · 4.125%
HK$6,542
baseline
▲ 0.50% · 4.625%
HK$6,887
+HK$345/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$13,084/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$7,173
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,396
−HK$227/mo
Today · 4.125%
HK$7,623
baseline
▲ 0.50% · 4.625%
HK$8,087
+HK$464/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,246/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$7,980
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,194
−HK$217/mo
Today · 4.125%
HK$8,411
baseline
▲ 0.50% · 4.625%
HK$8,855
+HK$444/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,822/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).