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$22,806
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,516
−HK$720/mo
Today · 4.125%
HK$24,236
baseline
▲ 0.50% · 4.625%
HK$25,711
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,472/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,372
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,052
−HK$690/mo
Today · 4.125%
HK$26,742
baseline
▲ 0.50% · 4.625%
HK$28,152
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,484/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,367
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,219
−HK$865/mo
Today · 4.125%
HK$29,084
baseline
▲ 0.50% · 4.625%
HK$30,853
+HK$1,769/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$370,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,446
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,262
−HK$829/mo
Today · 4.125%
HK$32,091
baseline
▲ 0.50% · 4.625%
HK$33,782
+HK$1,691/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$370,156 · 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$35,995
+HK$2,064/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$370,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,520
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,473
−HK$966/mo
Today · 4.125%
HK$37,439
baseline
▲ 0.50% · 4.625%
HK$39,413
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,878/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,051
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,297/mo
Today · 4.125%
HK$43,625
baseline
▲ 0.50% · 4.625%
HK$46,280
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,250/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,669
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,894
−HK$1,242/mo
Today · 4.125%
HK$48,136
baseline
▲ 0.50% · 4.625%
HK$50,673
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,272/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,156 · Scale 2, in force from 26 Feb 2026)