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$22,791
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$720/mo
Today · 4.125%
HK$24,220
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,355
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,035
−HK$690/mo
Today · 4.125%
HK$26,725
baseline
▲ 0.50% · 4.625%
HK$28,133
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,450/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,349
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$864/mo
Today · 4.125%
HK$29,064
baseline
▲ 0.50% · 4.625%
HK$30,833
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,128/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,426
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,242
−HK$828/mo
Today · 4.125%
HK$32,070
baseline
▲ 0.50% · 4.625%
HK$33,760
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,140/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,908
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,900
−HK$1,008/mo
Today · 4.125%
HK$33,908
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,816/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,497
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,449
−HK$966/mo
Today · 4.125%
HK$37,415
baseline
▲ 0.50% · 4.625%
HK$39,387
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,830/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,024
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,300
−HK$1,297/mo
Today · 4.125%
HK$43,597
baseline
▲ 0.50% · 4.625%
HK$46,249
+HK$2,652/mo
Deposit HK$999K · loan HK$9.00M · min. income ≈ HK$87,194/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,639
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,863
−HK$1,241/mo
Today · 4.125%
HK$48,104
baseline
▲ 0.50% · 4.625%
HK$50,640
+HK$2,536/mo
Deposit HK$999K · loan HK$9.00M · min. income ≈ HK$96,208/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,498 · 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).