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$22,782
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,491
−HK$720/mo
Today · 4.125%
HK$24,211
baseline
▲ 0.50% · 4.625%
HK$25,684
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,422/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$369,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,345
−HK$1,369/mo
▼ 0.25% · 3.875%
HK$26,025
−HK$689/mo
Today · 4.125%
HK$26,714
baseline
▲ 0.50% · 4.625%
HK$28,122
+HK$1,408/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,428/mo (50% DSR)
Upfront cash ≈ HK$5.36M (deposit + AVD stamp duty HK$369,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,338
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,189
−HK$864/mo
Today · 4.125%
HK$29,053
baseline
▲ 0.50% · 4.625%
HK$30,821
+HK$1,768/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$58,106/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,414
−HK$1,643/mo
▼ 0.25% · 3.875%
HK$31,229
−HK$828/mo
Today · 4.125%
HK$32,057
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,690/mo
Deposit HK$4.00M · loan HK$5.99M · min. income ≈ HK$64,114/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,895
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,887
−HK$1,008/mo
Today · 4.125%
HK$33,895
baseline
▲ 0.50% · 4.625%
HK$35,957
+HK$2,062/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$67,790/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,483
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,434
−HK$966/mo
Today · 4.125%
HK$37,400
baseline
▲ 0.50% · 4.625%
HK$39,371
+HK$1,971/mo
Deposit HK$3.00M · loan HK$6.99M · min. income ≈ HK$74,800/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,008
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$42,283
−HK$1,296/mo
Today · 4.125%
HK$43,579
baseline
▲ 0.50% · 4.625%
HK$46,231
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,158/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,621
−HK$2,464/mo
▼ 0.25% · 3.875%
HK$46,844
−HK$1,241/mo
Today · 4.125%
HK$48,085
baseline
▲ 0.50% · 4.625%
HK$50,620
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,170/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,101 · 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).