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$3,982
−HK$250/mo
▼ 0.25% · 3.875%
HK$4,106
−HK$126/mo
Today · 4.125%
HK$4,232
baseline
▲ 0.50% · 4.625%
HK$4,490
+HK$258/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$8,464/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$4,430
−HK$240/mo
▼ 0.25% · 3.875%
HK$4,549
−HK$121/mo
Today · 4.125%
HK$4,670
baseline
▲ 0.50% · 4.625%
HK$4,916
+HK$246/mo
Deposit HK$873K · loan HK$873K · min. income ≈ HK$9,340/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$4,779
−HK$299/mo
▼ 0.25% · 3.875%
HK$4,927
−HK$151/mo
Today · 4.125%
HK$5,078
baseline
▲ 0.50% · 4.625%
HK$5,387
+HK$309/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$10,156/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$5,316
−HK$288/mo
▼ 0.25% · 3.875%
HK$5,459
−HK$145/mo
Today · 4.125%
HK$5,604
baseline
▲ 0.50% · 4.625%
HK$5,899
+HK$295/mo
Deposit HK$699K · loan HK$1.05M · min. income ≈ HK$11,208/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$5,575
−HK$350/mo
▼ 0.25% · 3.875%
HK$5,749
−HK$176/mo
Today · 4.125%
HK$5,925
baseline
▲ 0.50% · 4.625%
HK$6,285
+HK$360/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$11,850/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$6,202
−HK$335/mo
▼ 0.25% · 3.875%
HK$6,369
−HK$168/mo
Today · 4.125%
HK$6,537
baseline
▲ 0.50% · 4.625%
HK$6,882
+HK$345/mo
Deposit HK$524K · loan HK$1.22M · min. income ≈ HK$13,074/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$7,168
−HK$450/mo
▼ 0.25% · 3.875%
HK$7,391
−HK$227/mo
Today · 4.125%
HK$7,618
baseline
▲ 0.50% · 4.625%
HK$8,081
+HK$463/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$15,236/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$7,975
−HK$430/mo
▼ 0.25% · 3.875%
HK$8,188
−HK$217/mo
Today · 4.125%
HK$8,405
baseline
▲ 0.50% · 4.625%
HK$8,848
+HK$443/mo
Deposit HK$175K · loan HK$1.57M · min. income ≈ HK$16,810/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).