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$1,431/mo
▼ 0.25% · 3.875%
HK$23,526
−HK$721/mo
Today · 4.125%
HK$24,247
baseline
▲ 0.50% · 4.625%
HK$25,722
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,494/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,383
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,063
−HK$691/mo
Today · 4.125%
HK$26,754
baseline
▲ 0.50% · 4.625%
HK$28,164
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,508/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,379
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,231
−HK$865/mo
Today · 4.125%
HK$29,096
baseline
▲ 0.50% · 4.625%
HK$30,867
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,192/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,459
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,276
−HK$829/mo
Today · 4.125%
HK$32,105
baseline
▲ 0.50% · 4.625%
HK$33,797
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,210/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,942
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,936
−HK$1,010/mo
Today · 4.125%
HK$33,946
baseline
▲ 0.50% · 4.625%
HK$36,011
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,892/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,536
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,489
−HK$967/mo
Today · 4.125%
HK$37,456
baseline
▲ 0.50% · 4.625%
HK$39,430
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,912/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,069
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,346
−HK$1,298/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$46,300
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,689
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,914
−HK$1,243/mo
Today · 4.125%
HK$48,157
baseline
▲ 0.50% · 4.625%
HK$50,696
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,314/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,592 · Scale 2, in force from 26 Feb 2026)