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$22,825
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$722/mo
Today · 4.125%
HK$24,257
baseline
▲ 0.50% · 4.625%
HK$25,733
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,514/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,393
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,074
−HK$691/mo
Today · 4.125%
HK$26,765
baseline
▲ 0.50% · 4.625%
HK$28,176
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,530/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,390
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,242
−HK$866/mo
Today · 4.125%
HK$29,108
baseline
▲ 0.50% · 4.625%
HK$30,879
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,216/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,472
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,289
−HK$829/mo
Today · 4.125%
HK$32,118
baseline
▲ 0.50% · 4.625%
HK$33,811
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,236/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,955
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,949
−HK$1,010/mo
Today · 4.125%
HK$33,959
baseline
▲ 0.50% · 4.625%
HK$36,026
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,918/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,550
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,504
−HK$967/mo
Today · 4.125%
HK$37,471
baseline
▲ 0.50% · 4.625%
HK$39,446
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,942/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,086
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,364
−HK$1,298/mo
Today · 4.125%
HK$43,662
baseline
▲ 0.50% · 4.625%
HK$46,319
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,324/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,707
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,933
−HK$1,244/mo
Today · 4.125%
HK$48,177
baseline
▲ 0.50% · 4.625%
HK$50,716
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,354/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,999 · Scale 2, in force from 26 Feb 2026)