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$3,980
−HK$249/mo
▼ 0.25% · 3.875%
HK$4,104
−HK$125/mo
Today · 4.125%
HK$4,229
baseline
▲ 0.50% · 4.625%
HK$4,487
+HK$258/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$8,458/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,428
−HK$239/mo
▼ 0.25% · 3.875%
HK$4,546
−HK$121/mo
Today · 4.125%
HK$4,667
baseline
▲ 0.50% · 4.625%
HK$4,913
+HK$246/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$9,334/mo (50% DSR)
Upfront cash ≈ HK$873K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,776
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,924
−HK$151/mo
Today · 4.125%
HK$5,075
baseline
▲ 0.50% · 4.625%
HK$5,384
+HK$309/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$10,150/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,313
−HK$287/mo
▼ 0.25% · 3.875%
HK$5,456
−HK$144/mo
Today · 4.125%
HK$5,600
baseline
▲ 0.50% · 4.625%
HK$5,895
+HK$295/mo
Deposit HK$698K · loan HK$1.05M · min. income ≈ HK$11,200/mo (50% DSR)
Upfront cash ≈ HK$698K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,572
−HK$349/mo
▼ 0.25% · 3.875%
HK$5,745
−HK$176/mo
Today · 4.125%
HK$5,921
baseline
▲ 0.50% · 4.625%
HK$6,281
+HK$360/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$11,842/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$6,199
−HK$334/mo
▼ 0.25% · 3.875%
HK$6,365
−HK$168/mo
Today · 4.125%
HK$6,533
baseline
▲ 0.50% · 4.625%
HK$6,878
+HK$345/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$13,066/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$7,164
−HK$449/mo
▼ 0.25% · 3.875%
HK$7,387
−HK$226/mo
Today · 4.125%
HK$7,613
baseline
▲ 0.50% · 4.625%
HK$8,076
+HK$463/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,226/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$7,970
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,183
−HK$217/mo
Today · 4.125%
HK$8,400
baseline
▲ 0.50% · 4.625%
HK$8,843
+HK$443/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,800/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).