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$22,783
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$720/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,685
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$369,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,345
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$690/mo
Today · 4.125%
HK$26,715
baseline
▲ 0.50% · 4.625%
HK$28,123
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,430/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$369,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,339
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,190
−HK$864/mo
Today · 4.125%
HK$29,054
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,767/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,108/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,415
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,230
−HK$828/mo
Today · 4.125%
HK$32,058
baseline
▲ 0.50% · 4.625%
HK$33,748
+HK$1,690/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,116/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,896
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,888
−HK$1,008/mo
Today · 4.125%
HK$33,896
baseline
▲ 0.50% · 4.625%
HK$35,958
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,792/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,484
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,435
−HK$966/mo
Today · 4.125%
HK$37,401
baseline
▲ 0.50% · 4.625%
HK$39,372
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,802/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,009
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,284
−HK$1,296/mo
Today · 4.125%
HK$43,580
baseline
▲ 0.50% · 4.625%
HK$46,232
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,160/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,622
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,845
−HK$1,242/mo
Today · 4.125%
HK$48,087
baseline
▲ 0.50% · 4.625%
HK$50,621
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,174/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,127 · 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).