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$22,807
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$721/mo
Today · 4.125%
HK$24,237
baseline
▲ 0.50% · 4.625%
HK$25,712
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,474/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,372
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,053
−HK$690/mo
Today · 4.125%
HK$26,743
baseline
▲ 0.50% · 4.625%
HK$28,153
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,486/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,368
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$865/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,854
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,168/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,447
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,263
−HK$828/mo
Today · 4.125%
HK$32,091
baseline
▲ 0.50% · 4.625%
HK$33,783
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,182/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,929
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,922
−HK$1,009/mo
Today · 4.125%
HK$33,931
baseline
▲ 0.50% · 4.625%
HK$35,996
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,862/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,521
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,474
−HK$966/mo
Today · 4.125%
HK$37,440
baseline
▲ 0.50% · 4.625%
HK$39,414
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,880/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,052
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,329
−HK$1,297/mo
Today · 4.125%
HK$43,626
baseline
▲ 0.50% · 4.625%
HK$46,281
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,252/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,670
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,895
−HK$1,242/mo
Today · 4.125%
HK$48,137
baseline
▲ 0.50% · 4.625%
HK$50,675
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,274/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,177 · Scale 2, in force from 26 Feb 2026)