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$3,995
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,119
−HK$127/mo
Today · 4.125%
HK$4,246
baseline
▲ 0.50% · 4.625%
HK$4,504
+HK$258/mo
Deposit HK$876K · loan HK$876K · min. income ≈ HK$8,492/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$4,445
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,564
−HK$121/mo
Today · 4.125%
HK$4,685
baseline
▲ 0.50% · 4.625%
HK$4,932
+HK$247/mo
Deposit HK$876K · loan HK$876K · min. income ≈ HK$9,370/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$4,794
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,943
−HK$152/mo
Today · 4.125%
HK$5,095
baseline
▲ 0.50% · 4.625%
HK$5,405
+HK$310/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$10,190/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$5,334
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,477
−HK$145/mo
Today · 4.125%
HK$5,622
baseline
▲ 0.50% · 4.625%
HK$5,918
+HK$296/mo
Deposit HK$701K · loan HK$1.05M · min. income ≈ HK$11,244/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$5,593
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,767
−HK$177/mo
Today · 4.125%
HK$5,944
baseline
▲ 0.50% · 4.625%
HK$6,306
+HK$362/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$11,888/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$6,222
−HK$337/mo
▼ 0.25% · 3.875%
HK$6,389
−HK$170/mo
Today · 4.125%
HK$6,559
baseline
▲ 0.50% · 4.625%
HK$6,904
+HK$345/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$13,118/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$7,191
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,415
−HK$227/mo
Today · 4.125%
HK$7,642
baseline
▲ 0.50% · 4.625%
HK$8,107
+HK$465/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,284/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$8,000
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,215
−HK$218/mo
Today · 4.125%
HK$8,433
baseline
▲ 0.50% · 4.625%
HK$8,877
+HK$444/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,866/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).