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$22,816
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,525
−HK$721/mo
Today · 4.125%
HK$24,246
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,492/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,382
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,063
−HK$690/mo
Today · 4.125%
HK$26,753
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,506/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,379
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,230
−HK$865/mo
Today · 4.125%
HK$29,095
baseline
▲ 0.50% · 4.625%
HK$30,866
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,190/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,458
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,275
−HK$829/mo
Today · 4.125%
HK$32,104
baseline
▲ 0.50% · 4.625%
HK$33,796
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,208/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,935
−HK$1,010/mo
Today · 4.125%
HK$33,945
baseline
▲ 0.50% · 4.625%
HK$36,010
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,890/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,535
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,488
−HK$967/mo
Today · 4.125%
HK$37,455
baseline
▲ 0.50% · 4.625%
HK$39,429
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,910/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,068
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,345
−HK$1,298/mo
Today · 4.125%
HK$43,643
baseline
▲ 0.50% · 4.625%
HK$46,299
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,286/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,688
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,913
−HK$1,243/mo
Today · 4.125%
HK$48,156
baseline
▲ 0.50% · 4.625%
HK$50,694
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,312/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,568 · Scale 2, in force from 26 Feb 2026)