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$1,430/mo
▼ 0.25% · 3.875%
HK$23,500
−HK$721/mo
Today · 4.125%
HK$24,221
baseline
▲ 0.50% · 4.625%
HK$25,694
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,442/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,512 · 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$28,134
+HK$1,409/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$369,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,350
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,200
−HK$865/mo
Today · 4.125%
HK$29,065
baseline
▲ 0.50% · 4.625%
HK$30,833
+HK$1,768/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,130/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,512 · 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$33,761
+HK$1,691/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$369,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,908
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,901
−HK$1,008/mo
Today · 4.125%
HK$33,909
baseline
▲ 0.50% · 4.625%
HK$35,972
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,818/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,512 · 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$369,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,025
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,301
−HK$1,296/mo
Today · 4.125%
HK$43,597
baseline
▲ 0.50% · 4.625%
HK$46,250
+HK$2,653/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,194/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,512 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,639
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,863
−HK$1,242/mo
Today · 4.125%
HK$48,105
baseline
▲ 0.50% · 4.625%
HK$50,641
+HK$2,536/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,210/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,512 · 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).