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$22,792
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,501
−HK$721/mo
Today · 4.125%
HK$24,222
baseline
▲ 0.50% · 4.625%
HK$25,695
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,444/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,356
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,036
−HK$690/mo
Today · 4.125%
HK$26,726
baseline
▲ 0.50% · 4.625%
HK$28,135
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,452/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,351
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,201
−HK$865/mo
Today · 4.125%
HK$29,066
baseline
▲ 0.50% · 4.625%
HK$30,834
+HK$1,768/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,132/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,427
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,243
−HK$828/mo
Today · 4.125%
HK$32,071
baseline
▲ 0.50% · 4.625%
HK$33,762
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,142/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,909
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,902
−HK$1,008/mo
Today · 4.125%
HK$33,910
baseline
▲ 0.50% · 4.625%
HK$35,973
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,820/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,499
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,451
−HK$965/mo
Today · 4.125%
HK$37,416
baseline
▲ 0.50% · 4.625%
HK$39,389
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,832/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,026
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,302
−HK$1,297/mo
Today · 4.125%
HK$43,599
baseline
▲ 0.50% · 4.625%
HK$46,252
+HK$2,653/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,198/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,641
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,865
−HK$1,242/mo
Today · 4.125%
HK$48,107
baseline
▲ 0.50% · 4.625%
HK$50,643
+HK$2,536/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,214/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,548 · 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).