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$3,992
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,116
−HK$126/mo
Today · 4.125%
HK$4,242
baseline
▲ 0.50% · 4.625%
HK$4,500
+HK$258/mo
Deposit HK$875K · loan HK$875K · min. income ≈ HK$8,484/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,441
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,560
−HK$121/mo
Today · 4.125%
HK$4,681
baseline
▲ 0.50% · 4.625%
HK$4,928
+HK$247/mo
Deposit HK$875K · loan HK$875K · min. income ≈ HK$9,362/mo (50% DSR)
Upfront cash ≈ HK$875K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,790
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,939
−HK$152/mo
Today · 4.125%
HK$5,091
baseline
▲ 0.50% · 4.625%
HK$5,401
+HK$310/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$10,182/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,329
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,472
−HK$145/mo
Today · 4.125%
HK$5,617
baseline
▲ 0.50% · 4.625%
HK$5,913
+HK$296/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$11,234/mo (50% DSR)
Upfront cash ≈ HK$700K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,589
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,763
−HK$176/mo
Today · 4.125%
HK$5,939
baseline
▲ 0.50% · 4.625%
HK$6,301
+HK$362/mo
Deposit HK$525K · loan HK$1.23M · min. income ≈ HK$11,878/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,217
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,384
−HK$169/mo
Today · 4.125%
HK$6,553
baseline
▲ 0.50% · 4.625%
HK$6,899
+HK$346/mo
Deposit HK$525K · loan HK$1.23M · min. income ≈ HK$13,106/mo (50% DSR)
Upfront cash ≈ HK$525K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,186
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,409
−HK$227/mo
Today · 4.125%
HK$7,636
baseline
▲ 0.50% · 4.625%
HK$8,101
+HK$465/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,272/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$7,994
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,208
−HK$218/mo
Today · 4.125%
HK$8,426
baseline
▲ 0.50% · 4.625%
HK$8,870
+HK$444/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,852/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).