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$22,787
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,495
−HK$721/mo
Today · 4.125%
HK$24,216
baseline
▲ 0.50% · 4.625%
HK$25,689
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,432/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,350
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,030
−HK$690/mo
Today · 4.125%
HK$26,720
baseline
▲ 0.50% · 4.625%
HK$28,128
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,440/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,344
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,195
−HK$864/mo
Today · 4.125%
HK$29,059
baseline
▲ 0.50% · 4.625%
HK$30,827
+HK$1,768/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,118/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,420
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,236
−HK$827/mo
Today · 4.125%
HK$32,063
baseline
▲ 0.50% · 4.625%
HK$33,754
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,126/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,901
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,894
−HK$1,008/mo
Today · 4.125%
HK$33,902
baseline
▲ 0.50% · 4.625%
HK$35,965
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,804/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,490
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,442
−HK$965/mo
Today · 4.125%
HK$37,407
baseline
▲ 0.50% · 4.625%
HK$39,379
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,814/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,016
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,292
−HK$1,296/mo
Today · 4.125%
HK$43,588
baseline
▲ 0.50% · 4.625%
HK$46,240
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,176/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,630
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,854
−HK$1,241/mo
Today · 4.125%
HK$48,095
baseline
▲ 0.50% · 4.625%
HK$50,630
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,190/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,304 · 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).