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$22,799
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,509
−HK$720/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,704
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,364
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$691/mo
Today · 4.125%
HK$26,735
baseline
▲ 0.50% · 4.625%
HK$28,144
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,470/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,359
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,210
−HK$865/mo
Today · 4.125%
HK$29,075
baseline
▲ 0.50% · 4.625%
HK$30,844
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,150/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,437
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,253
−HK$828/mo
Today · 4.125%
HK$32,081
baseline
▲ 0.50% · 4.625%
HK$33,773
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,162/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,912
−HK$1,009/mo
Today · 4.125%
HK$33,921
baseline
▲ 0.50% · 4.625%
HK$35,985
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,842/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,510
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,462
−HK$966/mo
Today · 4.125%
HK$37,428
baseline
▲ 0.50% · 4.625%
HK$39,401
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,856/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,039
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,316
−HK$1,297/mo
Today · 4.125%
HK$43,613
baseline
▲ 0.50% · 4.625%
HK$46,266
+HK$2,653/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,226/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,656
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,880
−HK$1,242/mo
Today · 4.125%
HK$48,122
baseline
▲ 0.50% · 4.625%
HK$50,659
+HK$2,537/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,244/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,866 · 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).