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$3,994
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,118
−HK$127/mo
Today · 4.125%
HK$4,245
baseline
▲ 0.50% · 4.625%
HK$4,503
+HK$258/mo
Deposit HK$876K · loan HK$876K · min. income ≈ HK$8,490/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,443
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,563
−HK$121/mo
Today · 4.125%
HK$4,684
baseline
▲ 0.50% · 4.625%
HK$4,930
+HK$246/mo
Deposit HK$876K · loan HK$876K · min. income ≈ HK$9,368/mo (50% DSR)
Upfront cash ≈ HK$876K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,793
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,942
−HK$152/mo
Today · 4.125%
HK$5,094
baseline
▲ 0.50% · 4.625%
HK$5,404
+HK$310/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$10,188/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,332
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,475
−HK$145/mo
Today · 4.125%
HK$5,620
baseline
▲ 0.50% · 4.625%
HK$5,917
+HK$297/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$11,240/mo (50% DSR)
Upfront cash ≈ HK$701K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,592
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,766
−HK$177/mo
Today · 4.125%
HK$5,943
baseline
▲ 0.50% · 4.625%
HK$6,304
+HK$361/mo
Deposit HK$525K · loan HK$1.23M · min. income ≈ HK$11,886/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$6,221
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,388
−HK$169/mo
Today · 4.125%
HK$6,557
baseline
▲ 0.50% · 4.625%
HK$6,903
+HK$346/mo
Deposit HK$525K · loan HK$1.23M · min. income ≈ HK$13,114/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$7,190
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,413
−HK$227/mo
Today · 4.125%
HK$7,640
baseline
▲ 0.50% · 4.625%
HK$8,105
+HK$465/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,280/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$7,998
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,213
−HK$217/mo
Today · 4.125%
HK$8,430
baseline
▲ 0.50% · 4.625%
HK$8,875
+HK$445/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,860/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).