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$22,785
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,493
−HK$720/mo
Today · 4.125%
HK$24,213
baseline
▲ 0.50% · 4.625%
HK$25,687
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,426/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,348
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,027
−HK$690/mo
Today · 4.125%
HK$26,717
baseline
▲ 0.50% · 4.625%
HK$28,125
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,434/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,342
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,192
−HK$864/mo
Today · 4.125%
HK$29,056
baseline
▲ 0.50% · 4.625%
HK$30,824
+HK$1,768/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,112/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,417
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,233
−HK$827/mo
Today · 4.125%
HK$32,060
baseline
▲ 0.50% · 4.625%
HK$33,750
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,120/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,898
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,891
−HK$1,008/mo
Today · 4.125%
HK$33,899
baseline
▲ 0.50% · 4.625%
HK$35,961
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,798/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,487
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,438
−HK$966/mo
Today · 4.125%
HK$37,404
baseline
▲ 0.50% · 4.625%
HK$39,376
+HK$1,972/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,808/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,012
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,288
−HK$1,296/mo
Today · 4.125%
HK$43,584
baseline
▲ 0.50% · 4.625%
HK$46,236
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,168/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,626
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,849
−HK$1,242/mo
Today · 4.125%
HK$48,091
baseline
▲ 0.50% · 4.625%
HK$50,626
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,182/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,212 · 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).