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$22,790
−HK$1,429/mo
▼ 0.25% · 3.875%
HK$23,499
−HK$720/mo
Today · 4.125%
HK$24,219
baseline
▲ 0.50% · 4.625%
HK$25,692
+HK$1,473/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,438/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,353
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,033
−HK$690/mo
Today · 4.125%
HK$26,723
baseline
▲ 0.50% · 4.625%
HK$28,132
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,446/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$369,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,348
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$28,198
−HK$865/mo
Today · 4.125%
HK$29,063
baseline
▲ 0.50% · 4.625%
HK$30,831
+HK$1,768/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,126/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,424
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,240
−HK$828/mo
Today · 4.125%
HK$32,068
baseline
▲ 0.50% · 4.625%
HK$33,758
+HK$1,690/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,136/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$369,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,906
−HK$2,000/mo
▼ 0.25% · 3.875%
HK$32,898
−HK$1,008/mo
Today · 4.125%
HK$33,906
baseline
▲ 0.50% · 4.625%
HK$35,969
+HK$2,063/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,812/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,495
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$36,447
−HK$965/mo
Today · 4.125%
HK$37,412
baseline
▲ 0.50% · 4.625%
HK$39,384
+HK$1,972/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,824/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$369,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,021
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,297/mo
Today · 4.125%
HK$43,594
baseline
▲ 0.50% · 4.625%
HK$46,246
+HK$2,652/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$87,188/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,636
−HK$2,466/mo
▼ 0.25% · 3.875%
HK$46,860
−HK$1,242/mo
Today · 4.125%
HK$48,102
baseline
▲ 0.50% · 4.625%
HK$50,637
+HK$2,535/mo
Deposit HK$999K · loan HK$8.99M · min. income ≈ HK$96,204/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$369,436 · 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).