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$22,802
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,512
−HK$720/mo
Today · 4.125%
HK$24,232
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,464/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,367
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$690/mo
Today · 4.125%
HK$26,738
baseline
▲ 0.50% · 4.625%
HK$28,147
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,476/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,214
−HK$865/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,848
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,441
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,257
−HK$828/mo
Today · 4.125%
HK$32,085
baseline
▲ 0.50% · 4.625%
HK$33,777
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,170/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,923
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,916
−HK$1,009/mo
Today · 4.125%
HK$33,925
baseline
▲ 0.50% · 4.625%
HK$35,989
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,850/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,514
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,467
−HK$966/mo
Today · 4.125%
HK$37,433
baseline
▲ 0.50% · 4.625%
HK$39,406
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,866/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,044
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,321
−HK$1,297/mo
Today · 4.125%
HK$43,618
baseline
▲ 0.50% · 4.625%
HK$46,272
+HK$2,654/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,236/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,661
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,886
−HK$1,242/mo
Today · 4.125%
HK$48,128
baseline
▲ 0.50% · 4.625%
HK$50,665
+HK$2,537/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,256/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,988 · 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).