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$22,797
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$721/mo
Today · 4.125%
HK$24,227
baseline
▲ 0.50% · 4.625%
HK$25,701
+HK$1,474/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$369,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,362
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,042
−HK$690/mo
Today · 4.125%
HK$26,732
baseline
▲ 0.50% · 4.625%
HK$28,141
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,464/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,357
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$865/mo
Today · 4.125%
HK$29,072
baseline
▲ 0.50% · 4.625%
HK$30,841
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,144/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,434
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,250
−HK$828/mo
Today · 4.125%
HK$32,078
baseline
▲ 0.50% · 4.625%
HK$33,769
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,156/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,916
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,909
−HK$1,008/mo
Today · 4.125%
HK$33,917
baseline
▲ 0.50% · 4.625%
HK$35,981
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,834/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,506
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$966/mo
Today · 4.125%
HK$37,424
baseline
▲ 0.50% · 4.625%
HK$39,397
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,848/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,035
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,297/mo
Today · 4.125%
HK$43,608
baseline
▲ 0.50% · 4.625%
HK$46,262
+HK$2,654/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,216/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,651
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,875
−HK$1,242/mo
Today · 4.125%
HK$48,117
baseline
▲ 0.50% · 4.625%
HK$50,654
+HK$2,537/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,234/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,762 · 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).