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$4,000
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,125
−HK$126/mo
Today · 4.125%
HK$4,251
baseline
▲ 0.50% · 4.625%
HK$4,510
+HK$259/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$8,502/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,450
−HK$241/mo
▼ 0.25% · 3.875%
HK$4,570
−HK$121/mo
Today · 4.125%
HK$4,691
baseline
▲ 0.50% · 4.625%
HK$4,938
+HK$247/mo
Deposit HK$877K · loan HK$877K · min. income ≈ HK$9,382/mo (50% DSR)
Upfront cash ≈ HK$877K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$4,801
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,950
−HK$152/mo
Today · 4.125%
HK$5,102
baseline
▲ 0.50% · 4.625%
HK$5,412
+HK$310/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$10,204/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,341
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,484
−HK$145/mo
Today · 4.125%
HK$5,629
baseline
▲ 0.50% · 4.625%
HK$5,926
+HK$297/mo
Deposit HK$702K · loan HK$1.05M · min. income ≈ HK$11,258/mo (50% DSR)
Upfront cash ≈ HK$702K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$5,601
−HK$351/mo
▼ 0.25% · 3.875%
HK$5,775
−HK$177/mo
Today · 4.125%
HK$5,952
baseline
▲ 0.50% · 4.625%
HK$6,314
+HK$362/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$11,904/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$6,231
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,398
−HK$169/mo
Today · 4.125%
HK$6,567
baseline
▲ 0.50% · 4.625%
HK$6,913
+HK$346/mo
Deposit HK$526K · loan HK$1.23M · min. income ≈ HK$13,134/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$7,201
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,425
−HK$227/mo
Today · 4.125%
HK$7,652
baseline
▲ 0.50% · 4.625%
HK$8,118
+HK$466/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,304/mo (50% DSR)
Upfront cash ≈ HK$176K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,011
−HK$433/mo
▼ 0.25% · 3.875%
HK$8,226
−HK$218/mo
Today · 4.125%
HK$8,444
baseline
▲ 0.50% · 4.625%
HK$8,889
+HK$445/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,888/mo (50% DSR)
Upfront cash ≈ HK$176K (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).