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$22,780
−HK$1,429/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$369,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,343
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,022
−HK$690/mo
Today · 4.125%
HK$26,712
baseline
▲ 0.50% · 4.625%
HK$28,120
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,424/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$369,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,336
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$28,186
−HK$864/mo
Today · 4.125%
HK$29,050
baseline
▲ 0.50% · 4.625%
HK$30,818
+HK$1,768/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,100/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,411
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,227
−HK$827/mo
Today · 4.125%
HK$32,054
baseline
▲ 0.50% · 4.625%
HK$33,744
+HK$1,690/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,108/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,892
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,884
−HK$1,008/mo
Today · 4.125%
HK$33,892
baseline
▲ 0.50% · 4.625%
HK$35,954
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,784/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,480
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$36,431
−HK$965/mo
Today · 4.125%
HK$37,396
baseline
▲ 0.50% · 4.625%
HK$39,368
+HK$1,972/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,792/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,280
−HK$1,295/mo
Today · 4.125%
HK$43,575
baseline
▲ 0.50% · 4.625%
HK$46,227
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,150/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,617
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,840
−HK$1,241/mo
Today · 4.125%
HK$48,081
baseline
▲ 0.50% · 4.625%
HK$50,616
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,162/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,013 · 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).