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$22,810
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$721/mo
Today · 4.125%
HK$24,240
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,480/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,375
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$690/mo
Today · 4.125%
HK$26,746
baseline
▲ 0.50% · 4.625%
HK$28,156
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,492/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,371
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,223
−HK$865/mo
Today · 4.125%
HK$29,088
baseline
▲ 0.50% · 4.625%
HK$30,858
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,176/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,450
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,267
−HK$829/mo
Today · 4.125%
HK$32,096
baseline
▲ 0.50% · 4.625%
HK$33,787
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,192/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,933
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$1,009/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$36,001
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,478
−HK$967/mo
Today · 4.125%
HK$37,445
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,890/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,298/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,242/mo
Today · 4.125%
HK$48,143
baseline
▲ 0.50% · 4.625%
HK$50,681
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,286/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,306 · Scale 2, in force from 26 Feb 2026)