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$22,800
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,509
−HK$721/mo
Today · 4.125%
HK$24,230
baseline
▲ 0.50% · 4.625%
HK$25,704
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,460/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,365
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,045
−HK$690/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$369,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,360
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,211
−HK$865/mo
Today · 4.125%
HK$29,076
baseline
▲ 0.50% · 4.625%
HK$30,845
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,152/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,438
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,254
−HK$828/mo
Today · 4.125%
HK$32,082
baseline
▲ 0.50% · 4.625%
HK$33,773
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,164/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,920
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,913
−HK$1,008/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$369,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,510
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,463
−HK$966/mo
Today · 4.125%
HK$37,429
baseline
▲ 0.50% · 4.625%
HK$39,402
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,858/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,040
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,316
−HK$1,297/mo
Today · 4.125%
HK$43,613
baseline
▲ 0.50% · 4.625%
HK$46,267
+HK$2,654/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$369,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,656
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,881
−HK$1,242/mo
Today · 4.125%
HK$48,123
baseline
▲ 0.50% · 4.625%
HK$50,660
+HK$2,537/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,246/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,882 · 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).