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$22,789
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$720/mo
Today · 4.125%
HK$24,218
baseline
▲ 0.50% · 4.625%
HK$25,692
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,436/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,353
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,033
−HK$689/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,131
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,347
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$864/mo
Today · 4.125%
HK$29,062
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,768/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,124/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,423
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,239
−HK$828/mo
Today · 4.125%
HK$32,067
baseline
▲ 0.50% · 4.625%
HK$33,757
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,134/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,905
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,897
−HK$1,008/mo
Today · 4.125%
HK$33,905
baseline
▲ 0.50% · 4.625%
HK$35,969
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,810/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,494
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,446
−HK$965/mo
Today · 4.125%
HK$37,411
baseline
▲ 0.50% · 4.625%
HK$39,383
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,822/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,020
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,296
−HK$1,297/mo
Today · 4.125%
HK$43,593
baseline
▲ 0.50% · 4.625%
HK$46,245
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,186/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,635
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,859
−HK$1,241/mo
Today · 4.125%
HK$48,100
baseline
▲ 0.50% · 4.625%
HK$50,636
+HK$2,536/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,200/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,411 · 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).