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$22,790
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,499
−HK$721/mo
Today · 4.125%
HK$24,220
baseline
▲ 0.50% · 4.625%
HK$25,693
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,440/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,354
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,034
−HK$690/mo
Today · 4.125%
HK$26,724
baseline
▲ 0.50% · 4.625%
HK$28,133
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,448/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,348
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,199
−HK$864/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,832
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,425
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,241
−HK$828/mo
Today · 4.125%
HK$32,069
baseline
▲ 0.50% · 4.625%
HK$33,759
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,138/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,907
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,899
−HK$1,008/mo
Today · 4.125%
HK$33,907
baseline
▲ 0.50% · 4.625%
HK$35,971
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,814/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,496
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,448
−HK$965/mo
Today · 4.125%
HK$37,413
baseline
▲ 0.50% · 4.625%
HK$39,386
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,826/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,023
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,299
−HK$1,296/mo
Today · 4.125%
HK$43,595
baseline
▲ 0.50% · 4.625%
HK$46,248
+HK$2,653/mo
Deposit HK$999K · loan HK$9.00M · min. income ≈ HK$87,190/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,637
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,861
−HK$1,242/mo
Today · 4.125%
HK$48,103
baseline
▲ 0.50% · 4.625%
HK$50,639
+HK$2,536/mo
Deposit HK$999K · loan HK$9.00M · min. income ≈ HK$96,206/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,467 · 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).