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$22,824
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,534
−HK$721/mo
Today · 4.125%
HK$24,255
baseline
▲ 0.50% · 4.625%
HK$25,731
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,510/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,392
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$690/mo
Today · 4.125%
HK$26,763
baseline
▲ 0.50% · 4.625%
HK$28,174
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,526/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,241
−HK$865/mo
Today · 4.125%
HK$29,106
baseline
▲ 0.50% · 4.625%
HK$30,877
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,212/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,470
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,287
−HK$829/mo
Today · 4.125%
HK$32,116
baseline
▲ 0.50% · 4.625%
HK$33,809
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,232/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$1,009/mo
Today · 4.125%
HK$33,957
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,914/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,548
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$967/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,444
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,938/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,083
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,361
−HK$1,299/mo
Today · 4.125%
HK$43,660
baseline
▲ 0.50% · 4.625%
HK$46,316
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,320/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,243/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$50,713
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,943 · Scale 2, in force from 26 Feb 2026)