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$22,813
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,522
−HK$721/mo
Today · 4.125%
HK$24,243
baseline
▲ 0.50% · 4.625%
HK$25,719
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,486/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,379
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,060
−HK$690/mo
Today · 4.125%
HK$26,750
baseline
▲ 0.50% · 4.625%
HK$28,160
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,500/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,375
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,227
−HK$865/mo
Today · 4.125%
HK$29,092
baseline
▲ 0.50% · 4.625%
HK$30,862
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,184/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,455
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,272
−HK$828/mo
Today · 4.125%
HK$32,100
baseline
▲ 0.50% · 4.625%
HK$33,792
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,200/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,938
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,931
−HK$1,010/mo
Today · 4.125%
HK$33,941
baseline
▲ 0.50% · 4.625%
HK$36,006
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,882/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,531
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,484
−HK$966/mo
Today · 4.125%
HK$37,450
baseline
▲ 0.50% · 4.625%
HK$39,424
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,900/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,063
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,340
−HK$1,298/mo
Today · 4.125%
HK$43,638
baseline
▲ 0.50% · 4.625%
HK$46,293
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,276/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,682
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,908
−HK$1,242/mo
Today · 4.125%
HK$48,150
baseline
▲ 0.50% · 4.625%
HK$50,688
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,300/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,452 · Scale 2, in force from 26 Feb 2026)