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$22,781
−HK$1,428/mo
▼ 0.25% · 3.875%
HK$23,489
−HK$720/mo
Today · 4.125%
HK$24,209
baseline
▲ 0.50% · 4.625%
HK$25,682
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,418/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$369,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,343
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,023
−HK$690/mo
Today · 4.125%
HK$26,713
baseline
▲ 0.50% · 4.625%
HK$28,121
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,426/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$369,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,337
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,187
−HK$864/mo
Today · 4.125%
HK$29,051
baseline
▲ 0.50% · 4.625%
HK$30,819
+HK$1,768/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,102/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,412
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,228
−HK$827/mo
Today · 4.125%
HK$32,055
baseline
▲ 0.50% · 4.625%
HK$33,745
+HK$1,690/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,110/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,893
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,885
−HK$1,008/mo
Today · 4.125%
HK$33,893
baseline
▲ 0.50% · 4.625%
HK$35,955
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,786/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,481
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,432
−HK$966/mo
Today · 4.125%
HK$37,398
baseline
▲ 0.50% · 4.625%
HK$39,369
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,796/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,005
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,281
−HK$1,296/mo
Today · 4.125%
HK$43,577
baseline
▲ 0.50% · 4.625%
HK$46,228
+HK$2,651/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,154/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,618
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,841
−HK$1,242/mo
Today · 4.125%
HK$48,083
baseline
▲ 0.50% · 4.625%
HK$50,617
+HK$2,534/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,166/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,042 · 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).