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$22,794
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,503
−HK$721/mo
Today · 4.125%
HK$24,224
baseline
▲ 0.50% · 4.625%
HK$25,698
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,448/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,358
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,038
−HK$690/mo
Today · 4.125%
HK$26,728
baseline
▲ 0.50% · 4.625%
HK$28,137
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,456/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,353
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,204
−HK$864/mo
Today · 4.125%
HK$29,068
baseline
▲ 0.50% · 4.625%
HK$30,837
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,136/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,430
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,246
−HK$828/mo
Today · 4.125%
HK$32,074
baseline
▲ 0.50% · 4.625%
HK$33,765
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,148/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,912
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,905
−HK$1,008/mo
Today · 4.125%
HK$33,913
baseline
▲ 0.50% · 4.625%
HK$35,977
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,826/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,502
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$36,454
−HK$966/mo
Today · 4.125%
HK$37,420
baseline
▲ 0.50% · 4.625%
HK$39,392
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,840/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,030
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,306
−HK$1,297/mo
Today · 4.125%
HK$43,603
baseline
▲ 0.50% · 4.625%
HK$46,256
+HK$2,653/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$87,206/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,636 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,645
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,869
−HK$1,242/mo
Today · 4.125%
HK$48,111
baseline
▲ 0.50% · 4.625%
HK$50,647
+HK$2,536/mo
Deposit HK$1000K · loan HK$9.00M · min. income ≈ HK$96,222/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,636 · 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).