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$3,982
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,105
−HK$126/mo
Today · 4.125%
HK$4,231
baseline
▲ 0.50% · 4.625%
HK$4,489
+HK$258/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$8,462/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$4,429
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,548
−HK$121/mo
Today · 4.125%
HK$4,669
baseline
▲ 0.50% · 4.625%
HK$4,915
+HK$246/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$9,338/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$4,778
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,927
−HK$151/mo
Today · 4.125%
HK$5,078
baseline
▲ 0.50% · 4.625%
HK$5,386
+HK$308/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$10,156/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$5,315
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,458
−HK$145/mo
Today · 4.125%
HK$5,603
baseline
▲ 0.50% · 4.625%
HK$5,898
+HK$295/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$11,206/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$5,574
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,748
−HK$176/mo
Today · 4.125%
HK$5,924
baseline
▲ 0.50% · 4.625%
HK$6,284
+HK$360/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$11,848/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$6,201
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,368
−HK$168/mo
Today · 4.125%
HK$6,536
baseline
▲ 0.50% · 4.625%
HK$6,881
+HK$345/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$13,072/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$7,167
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,390
−HK$226/mo
Today · 4.125%
HK$7,616
baseline
▲ 0.50% · 4.625%
HK$8,080
+HK$464/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,232/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$7,973
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,187
−HK$217/mo
Today · 4.125%
HK$8,404
baseline
▲ 0.50% · 4.625%
HK$8,847
+HK$443/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,808/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).