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$1,429/mo
▼ 0.25% · 3.875%
HK$23,504
−HK$720/mo
Today · 4.125%
HK$24,224
baseline
▲ 0.50% · 4.625%
HK$25,698
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,448/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,359
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,039
−HK$690/mo
Today · 4.125%
HK$26,729
baseline
▲ 0.50% · 4.625%
HK$28,138
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,458/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,354
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$865/mo
Today · 4.125%
HK$29,069
baseline
▲ 0.50% · 4.625%
HK$30,838
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,138/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,431
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,247
−HK$828/mo
Today · 4.125%
HK$32,075
baseline
▲ 0.50% · 4.625%
HK$33,765
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,150/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,913
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,905
−HK$1,009/mo
Today · 4.125%
HK$33,914
baseline
▲ 0.50% · 4.625%
HK$35,977
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,828/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,502
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,455
−HK$965/mo
Today · 4.125%
HK$37,420
baseline
▲ 0.50% · 4.625%
HK$39,393
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,840/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,296/mo
Today · 4.125%
HK$43,603
baseline
▲ 0.50% · 4.625%
HK$46,257
+HK$2,654/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,206/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,654 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,646
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,870
−HK$1,242/mo
Today · 4.125%
HK$48,112
baseline
▲ 0.50% · 4.625%
HK$50,648
+HK$2,536/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,224/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,654 · 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).