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$22,818
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,528
−HK$721/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,725
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,385
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,066
−HK$691/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,167
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,514/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,382
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,234
−HK$865/mo
Today · 4.125%
HK$29,099
baseline
▲ 0.50% · 4.625%
HK$30,870
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,198/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,462
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,279
−HK$829/mo
Today · 4.125%
HK$32,108
baseline
▲ 0.50% · 4.625%
HK$33,800
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,216/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,939
−HK$1,010/mo
Today · 4.125%
HK$33,949
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,898/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,492
−HK$967/mo
Today · 4.125%
HK$37,459
baseline
▲ 0.50% · 4.625%
HK$39,434
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,918/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,073
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,350
−HK$1,298/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$46,304
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,693
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,919
−HK$1,243/mo
Today · 4.125%
HK$48,162
baseline
▲ 0.50% · 4.625%
HK$50,700
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,324/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,687 · Scale 2, in force from 26 Feb 2026)