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$3,991
−HK$251/mo
▼ 0.25% · 3.875%
HK$4,115
−HK$127/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$4,440
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,559
−HK$121/mo
Today · 4.125%
HK$4,680
baseline
▲ 0.50% · 4.625%
HK$4,927
+HK$247/mo
Deposit HK$875K · loan HK$875K · min. income ≈ HK$9,360/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$4,789
−HK$301/mo
▼ 0.25% · 3.875%
HK$4,938
−HK$152/mo
Today · 4.125%
HK$5,090
baseline
▲ 0.50% · 4.625%
HK$5,400
+HK$310/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$10,180/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$5,328
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,471
−HK$145/mo
Today · 4.125%
HK$5,616
baseline
▲ 0.50% · 4.625%
HK$5,912
+HK$296/mo
Deposit HK$700K · loan HK$1.05M · min. income ≈ HK$11,232/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$5,588
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,762
−HK$176/mo
Today · 4.125%
HK$5,938
baseline
▲ 0.50% · 4.625%
HK$6,299
+HK$361/mo
Deposit HK$525K · loan HK$1.23M · min. income ≈ HK$11,876/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$6,216
−HK$336/mo
▼ 0.25% · 3.875%
HK$6,383
−HK$169/mo
Today · 4.125%
HK$6,552
baseline
▲ 0.50% · 4.625%
HK$6,897
+HK$345/mo
Deposit HK$525K · loan HK$1.23M · min. income ≈ HK$13,104/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$7,184
−HK$451/mo
▼ 0.25% · 3.875%
HK$7,408
−HK$227/mo
Today · 4.125%
HK$7,635
baseline
▲ 0.50% · 4.625%
HK$8,099
+HK$464/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$15,270/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$7,992
−HK$432/mo
▼ 0.25% · 3.875%
HK$8,207
−HK$217/mo
Today · 4.125%
HK$8,424
baseline
▲ 0.50% · 4.625%
HK$8,868
+HK$444/mo
Deposit HK$175K · loan HK$1.58M · min. income ≈ HK$16,848/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).