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$22,814
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,523
−HK$721/mo
Today · 4.125%
HK$24,244
baseline
▲ 0.50% · 4.625%
HK$25,719
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,488/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,060
−HK$691/mo
Today · 4.125%
HK$26,751
baseline
▲ 0.50% · 4.625%
HK$28,161
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,502/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,376
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$865/mo
Today · 4.125%
HK$29,093
baseline
▲ 0.50% · 4.625%
HK$30,863
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,186/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,456
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$828/mo
Today · 4.125%
HK$32,101
baseline
▲ 0.50% · 4.625%
HK$33,793
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,202/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,939
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,932
−HK$1,010/mo
Today · 4.125%
HK$33,942
baseline
▲ 0.50% · 4.625%
HK$36,007
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,884/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,532
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,485
−HK$966/mo
Today · 4.125%
HK$37,451
baseline
▲ 0.50% · 4.625%
HK$39,426
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,902/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,064
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,297/mo
Today · 4.125%
HK$43,639
baseline
▲ 0.50% · 4.625%
HK$46,295
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,278/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,684
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,909
−HK$1,243/mo
Today · 4.125%
HK$48,152
baseline
▲ 0.50% · 4.625%
HK$50,690
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,304/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,481 · Scale 2, in force from 26 Feb 2026)