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$1,429/mo
▼ 0.25% · 3.875%
HK$23,506
−HK$720/mo
Today · 4.125%
HK$24,226
baseline
▲ 0.50% · 4.625%
HK$25,700
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,452/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,361
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,041
−HK$690/mo
Today · 4.125%
HK$26,731
baseline
▲ 0.50% · 4.625%
HK$28,140
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,462/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,356
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,207
−HK$864/mo
Today · 4.125%
HK$29,071
baseline
▲ 0.50% · 4.625%
HK$30,840
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,142/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,433
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,249
−HK$828/mo
Today · 4.125%
HK$32,077
baseline
▲ 0.50% · 4.625%
HK$33,768
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,154/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,915
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,908
−HK$1,009/mo
Today · 4.125%
HK$33,917
baseline
▲ 0.50% · 4.625%
HK$35,980
+HK$2,063/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$369,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,505
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,458
−HK$966/mo
Today · 4.125%
HK$37,424
baseline
▲ 0.50% · 4.625%
HK$39,396
+HK$1,972/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$369,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,034
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,310
−HK$1,297/mo
Today · 4.125%
HK$43,607
baseline
▲ 0.50% · 4.625%
HK$46,261
+HK$2,654/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,214/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,650
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,874
−HK$1,242/mo
Today · 4.125%
HK$48,116
baseline
▲ 0.50% · 4.625%
HK$50,652
+HK$2,536/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,232/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,742 · 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).