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$1,431/mo
▼ 0.25% · 3.875%
HK$23,535
−HK$721/mo
Today · 4.125%
HK$24,256
baseline
▲ 0.50% · 4.625%
HK$25,732
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,512/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,392
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,073
−HK$691/mo
Today · 4.125%
HK$26,764
baseline
▲ 0.50% · 4.625%
HK$28,175
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,528/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,389
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,241
−HK$866/mo
Today · 4.125%
HK$29,107
baseline
▲ 0.50% · 4.625%
HK$30,878
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,214/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,470
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,288
−HK$829/mo
Today · 4.125%
HK$32,117
baseline
▲ 0.50% · 4.625%
HK$33,810
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,234/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,954
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,948
−HK$1,010/mo
Today · 4.125%
HK$33,958
baseline
▲ 0.50% · 4.625%
HK$36,024
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,916/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,549
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,502
−HK$967/mo
Today · 4.125%
HK$37,469
baseline
▲ 0.50% · 4.625%
HK$39,445
+HK$1,976/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$370,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,084
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,362
−HK$1,298/mo
Today · 4.125%
HK$43,660
baseline
▲ 0.50% · 4.625%
HK$46,317
+HK$2,657/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$370,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,706
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,932
−HK$1,243/mo
Today · 4.125%
HK$48,175
baseline
▲ 0.50% · 4.625%
HK$50,714
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,350/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,964 · Scale 2, in force from 26 Feb 2026)