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$22,795
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$721/mo
Today · 4.125%
HK$24,225
baseline
▲ 0.50% · 4.625%
HK$25,699
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,450/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,360
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,040
−HK$690/mo
Today · 4.125%
HK$26,730
baseline
▲ 0.50% · 4.625%
HK$28,139
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,460/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,205
−HK$865/mo
Today · 4.125%
HK$29,070
baseline
▲ 0.50% · 4.625%
HK$30,839
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,140/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,432
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,248
−HK$828/mo
Today · 4.125%
HK$32,076
baseline
▲ 0.50% · 4.625%
HK$33,766
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,152/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,913
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,906
−HK$1,009/mo
Today · 4.125%
HK$33,915
baseline
▲ 0.50% · 4.625%
HK$35,978
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,830/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,503
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,456
−HK$966/mo
Today · 4.125%
HK$37,422
baseline
▲ 0.50% · 4.625%
HK$39,394
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,844/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,032
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,308
−HK$1,297/mo
Today · 4.125%
HK$43,605
baseline
▲ 0.50% · 4.625%
HK$46,258
+HK$2,653/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,210/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,647
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,872
−HK$1,241/mo
Today · 4.125%
HK$48,113
baseline
▲ 0.50% · 4.625%
HK$50,650
+HK$2,537/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,226/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,684 · 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).