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$22,793
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,502
−HK$721/mo
Today · 4.125%
HK$24,223
baseline
▲ 0.50% · 4.625%
HK$25,696
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,446/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,357
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,037
−HK$690/mo
Today · 4.125%
HK$26,727
baseline
▲ 0.50% · 4.625%
HK$28,136
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,454/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,352
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,203
−HK$864/mo
Today · 4.125%
HK$29,067
baseline
▲ 0.50% · 4.625%
HK$30,836
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,134/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,429
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,245
−HK$828/mo
Today · 4.125%
HK$32,073
baseline
▲ 0.50% · 4.625%
HK$33,763
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,146/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,911
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,903
−HK$1,009/mo
Today · 4.125%
HK$33,912
baseline
▲ 0.50% · 4.625%
HK$35,975
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,824/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,500
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,452
−HK$966/mo
Today · 4.125%
HK$37,418
baseline
▲ 0.50% · 4.625%
HK$39,390
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,836/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,028
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,304
−HK$1,297/mo
Today · 4.125%
HK$43,601
baseline
▲ 0.50% · 4.625%
HK$46,254
+HK$2,653/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,202/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,643
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,867
−HK$1,242/mo
Today · 4.125%
HK$48,109
baseline
▲ 0.50% · 4.625%
HK$50,645
+HK$2,536/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,218/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,592 · 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).