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$22,788
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,497
−HK$720/mo
Today · 4.125%
HK$24,217
baseline
▲ 0.50% · 4.625%
HK$25,690
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,434/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,351
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,031
−HK$690/mo
Today · 4.125%
HK$26,721
baseline
▲ 0.50% · 4.625%
HK$28,130
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,442/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,346
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,196
−HK$864/mo
Today · 4.125%
HK$29,060
baseline
▲ 0.50% · 4.625%
HK$30,829
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,120/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,422
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,238
−HK$827/mo
Today · 4.125%
HK$32,065
baseline
▲ 0.50% · 4.625%
HK$33,755
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,130/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,903
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,895
−HK$1,009/mo
Today · 4.125%
HK$33,904
baseline
▲ 0.50% · 4.625%
HK$35,967
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,808/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,492
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,444
−HK$965/mo
Today · 4.125%
HK$37,409
baseline
▲ 0.50% · 4.625%
HK$39,381
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,818/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,018
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,294
−HK$1,297/mo
Today · 4.125%
HK$43,591
baseline
▲ 0.50% · 4.625%
HK$46,243
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,182/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,632
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,856
−HK$1,242/mo
Today · 4.125%
HK$48,098
baseline
▲ 0.50% · 4.625%
HK$50,633
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,196/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,359 · 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).