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$22,821
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$721/mo
Today · 4.125%
HK$24,252
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,504/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,388
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,069
−HK$691/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,170
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,385
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,237
−HK$865/mo
Today · 4.125%
HK$29,102
baseline
▲ 0.50% · 4.625%
HK$30,873
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,204/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,465
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$828/mo
Today · 4.125%
HK$32,111
baseline
▲ 0.50% · 4.625%
HK$33,804
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,222/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,949
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,943
−HK$1,010/mo
Today · 4.125%
HK$33,953
baseline
▲ 0.50% · 4.625%
HK$36,019
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,906/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,543
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,496
−HK$967/mo
Today · 4.125%
HK$37,463
baseline
▲ 0.50% · 4.625%
HK$39,438
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,926/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,077
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,355
−HK$1,298/mo
Today · 4.125%
HK$43,653
baseline
▲ 0.50% · 4.625%
HK$46,310
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,306/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,698
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,924
−HK$1,243/mo
Today · 4.125%
HK$48,167
baseline
▲ 0.50% · 4.625%
HK$50,706
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,334/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,799 · Scale 2, in force from 26 Feb 2026)