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$22,799
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,508
−HK$721/mo
Today · 4.125%
HK$24,229
baseline
▲ 0.50% · 4.625%
HK$25,703
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,458/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,364
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,044
−HK$690/mo
Today · 4.125%
HK$26,734
baseline
▲ 0.50% · 4.625%
HK$28,143
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,468/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,359
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,210
−HK$864/mo
Today · 4.125%
HK$29,074
baseline
▲ 0.50% · 4.625%
HK$30,843
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,148/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,436
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,253
−HK$828/mo
Today · 4.125%
HK$32,081
baseline
▲ 0.50% · 4.625%
HK$33,772
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,162/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,919
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,911
−HK$1,009/mo
Today · 4.125%
HK$33,920
baseline
▲ 0.50% · 4.625%
HK$35,984
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,840/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,509
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,461
−HK$966/mo
Today · 4.125%
HK$37,427
baseline
▲ 0.50% · 4.625%
HK$39,400
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,854/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,038
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,315
−HK$1,297/mo
Today · 4.125%
HK$43,612
baseline
▲ 0.50% · 4.625%
HK$46,265
+HK$2,653/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,224/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,654
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,879
−HK$1,242/mo
Today · 4.125%
HK$48,121
baseline
▲ 0.50% · 4.625%
HK$50,658
+HK$2,537/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,242/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,842 · 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).