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$4,000
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,124
−HK$127/mo
Today · 4.125%
HK$4,251
baseline
▲ 0.50% · 4.625%
HK$4,509
+HK$258/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$8,502/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,450
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,569
−HK$121/mo
Today · 4.125%
HK$4,690
baseline
▲ 0.50% · 4.625%
HK$4,937
+HK$247/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$9,380/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,800
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,949
−HK$152/mo
Today · 4.125%
HK$5,101
baseline
▲ 0.50% · 4.625%
HK$5,411
+HK$310/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$10,202/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,340
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,483
−HK$145/mo
Today · 4.125%
HK$5,628
baseline
▲ 0.50% · 4.625%
HK$5,925
+HK$297/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$11,256/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,600
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,774
−HK$177/mo
Today · 4.125%
HK$5,951
baseline
▲ 0.50% · 4.625%
HK$6,313
+HK$362/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$11,902/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,230
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,397
−HK$169/mo
Today · 4.125%
HK$6,566
baseline
▲ 0.50% · 4.625%
HK$6,912
+HK$346/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$13,132/mo (50% DSR)
Upfront cash ≈ HK$526K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,200
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,424
−HK$227/mo
Today · 4.125%
HK$7,651
baseline
▲ 0.50% · 4.625%
HK$8,117
+HK$466/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,302/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,010
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,224
−HK$218/mo
Today · 4.125%
HK$8,442
baseline
▲ 0.50% · 4.625%
HK$8,887
+HK$445/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,884/mo (50% DSR)
Upfront cash ≈ HK$176K (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).