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$3,986
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,110
−HK$125/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$4,434
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,553
−HK$120/mo
Today · 4.125%
HK$4,673
baseline
▲ 0.50% · 4.625%
HK$4,920
+HK$247/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$4,783
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,931
−HK$152/mo
Today · 4.125%
HK$5,083
baseline
▲ 0.50% · 4.625%
HK$5,392
+HK$309/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$10,166/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$5,321
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,463
−HK$145/mo
Today · 4.125%
HK$5,608
baseline
▲ 0.50% · 4.625%
HK$5,904
+HK$296/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$5,580
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,753
−HK$177/mo
Today · 4.125%
HK$5,930
baseline
▲ 0.50% · 4.625%
HK$6,290
+HK$360/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$11,860/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$336/mo
▼ 0.25% · 3.875%
HK$6,374
−HK$169/mo
Today · 4.125%
HK$6,543
baseline
▲ 0.50% · 4.625%
HK$6,888
+HK$345/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$13,086/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$7,174
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,397
−HK$227/mo
Today · 4.125%
HK$7,624
baseline
▲ 0.50% · 4.625%
HK$8,088
+HK$464/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,248/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$7,981
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,195
−HK$217/mo
Today · 4.125%
HK$8,412
baseline
▲ 0.50% · 4.625%
HK$8,856
+HK$444/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,824/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).