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$22,789
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,498
−HK$720/mo
Today · 4.125%
HK$24,218
baseline
▲ 0.50% · 4.625%
HK$25,691
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,436/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,352
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,032
−HK$690/mo
Today · 4.125%
HK$26,722
baseline
▲ 0.50% · 4.625%
HK$28,130
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,444/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,346
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,197
−HK$864/mo
Today · 4.125%
HK$29,061
baseline
▲ 0.50% · 4.625%
HK$30,830
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,122/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,423
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,239
−HK$827/mo
Today · 4.125%
HK$32,066
baseline
▲ 0.50% · 4.625%
HK$33,757
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,132/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,904
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,897
−HK$1,008/mo
Today · 4.125%
HK$33,905
baseline
▲ 0.50% · 4.625%
HK$35,968
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,810/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,493
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,445
−HK$966/mo
Today · 4.125%
HK$37,411
baseline
▲ 0.50% · 4.625%
HK$39,383
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,822/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,020
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$42,296
−HK$1,296/mo
Today · 4.125%
HK$43,592
baseline
▲ 0.50% · 4.625%
HK$46,244
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,184/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,634
−HK$2,465/mo
▼ 0.25% · 3.875%
HK$46,858
−HK$1,241/mo
Today · 4.125%
HK$48,099
baseline
▲ 0.50% · 4.625%
HK$50,635
+HK$2,536/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,198/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,393 · 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).