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$3,984
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,108
−HK$126/mo
Today · 4.125%
HK$4,234
baseline
▲ 0.50% · 4.625%
HK$4,492
+HK$258/mo
Deposit HK$874K · loan HK$874K · min. income ≈ HK$8,468/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$4,433
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,551
−HK$121/mo
Today · 4.125%
HK$4,672
baseline
▲ 0.50% · 4.625%
HK$4,918
+HK$246/mo
Deposit HK$874K · loan HK$874K · min. income ≈ HK$9,344/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$4,781
−HK$300/mo
▼ 0.25% · 3.875%
HK$4,930
−HK$151/mo
Today · 4.125%
HK$5,081
baseline
▲ 0.50% · 4.625%
HK$5,390
+HK$309/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$10,162/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$5,319
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,462
−HK$144/mo
Today · 4.125%
HK$5,606
baseline
▲ 0.50% · 4.625%
HK$5,902
+HK$296/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$11,212/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$5,578
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,752
−HK$176/mo
Today · 4.125%
HK$5,928
baseline
▲ 0.50% · 4.625%
HK$6,289
+HK$361/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$11,856/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$6,206
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,372
−HK$169/mo
Today · 4.125%
HK$6,541
baseline
▲ 0.50% · 4.625%
HK$6,886
+HK$345/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$13,082/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$7,172
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,395
−HK$227/mo
Today · 4.125%
HK$7,622
baseline
▲ 0.50% · 4.625%
HK$8,085
+HK$463/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,244/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$7,979
−HK$431/mo
▼ 0.25% · 3.875%
HK$8,193
−HK$217/mo
Today · 4.125%
HK$8,410
baseline
▲ 0.50% · 4.625%
HK$8,853
+HK$443/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,820/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).