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$22,786
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$720/mo
Today · 4.125%
HK$24,215
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,430/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,349
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,029
−HK$690/mo
Today · 4.125%
HK$26,719
baseline
▲ 0.50% · 4.625%
HK$28,127
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,438/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,343
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,194
−HK$864/mo
Today · 4.125%
HK$29,058
baseline
▲ 0.50% · 4.625%
HK$30,826
+HK$1,768/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,116/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,419
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,235
−HK$828/mo
Today · 4.125%
HK$32,063
baseline
▲ 0.50% · 4.625%
HK$33,753
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,126/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,901
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,893
−HK$1,008/mo
Today · 4.125%
HK$33,901
baseline
▲ 0.50% · 4.625%
HK$35,964
+HK$2,063/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,802/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,489
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,441
−HK$966/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,378
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,015
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,291
−HK$1,296/mo
Today · 4.125%
HK$43,587
baseline
▲ 0.50% · 4.625%
HK$46,239
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,174/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,629
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,853
−HK$1,241/mo
Today · 4.125%
HK$48,094
baseline
▲ 0.50% · 4.625%
HK$50,629
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,188/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,282 · 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).