The recent experimental observation of steplike structure in the super
fluid density of He-4 films on graphite is interpreted in terms of pas
sage close to Mott insulating lobes in the Bose-Hubbard model. Plateau
s develop in the superfluid density near the completion of each layer
because of the He-He repulsion. We modify the Bose-Hubbard Hamiltonian
, using a density-dependent He-He interaction term to model the He-sub
strate potential. Quantum Monte Carlo simulations yield results that a
gree well with the experimental data.