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$22,798
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,507
−HK$720/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,702
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,454/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$691/mo
Today · 4.125%
HK$26,733
baseline
▲ 0.50% · 4.625%
HK$28,142
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,466/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,357
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,208
−HK$865/mo
Today · 4.125%
HK$29,073
baseline
▲ 0.50% · 4.625%
HK$30,842
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,146/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,435
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,251
−HK$828/mo
Today · 4.125%
HK$32,079
baseline
▲ 0.50% · 4.625%
HK$33,770
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,158/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,917
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,910
−HK$1,008/mo
Today · 4.125%
HK$33,918
baseline
▲ 0.50% · 4.625%
HK$35,982
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,836/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,507
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,459
−HK$967/mo
Today · 4.125%
HK$37,426
baseline
▲ 0.50% · 4.625%
HK$39,398
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,852/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,036
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,312
−HK$1,297/mo
Today · 4.125%
HK$43,609
baseline
▲ 0.50% · 4.625%
HK$46,263
+HK$2,654/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,218/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,652
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,876
−HK$1,243/mo
Today · 4.125%
HK$48,119
baseline
▲ 0.50% · 4.625%
HK$50,655
+HK$2,536/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,238/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,790 · 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).