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$22,808
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$720/mo
Today · 4.125%
HK$24,238
baseline
▲ 0.50% · 4.625%
HK$25,713
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,476/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,374
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,054
−HK$691/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,154
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,221
−HK$865/mo
Today · 4.125%
HK$29,086
baseline
▲ 0.50% · 4.625%
HK$30,856
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,172/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,265
−HK$829/mo
Today · 4.125%
HK$32,094
baseline
▲ 0.50% · 4.625%
HK$33,785
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,188/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,931
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,925
−HK$1,009/mo
Today · 4.125%
HK$33,934
baseline
▲ 0.50% · 4.625%
HK$35,998
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,868/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,523
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,476
−HK$966/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,416
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,884/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,055
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,297/mo
Today · 4.125%
HK$43,629
baseline
▲ 0.50% · 4.625%
HK$46,284
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,258/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,673
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,898
−HK$1,242/mo
Today · 4.125%
HK$48,140
baseline
▲ 0.50% · 4.625%
HK$50,678
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,280/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,242 · Scale 2, in force from 26 Feb 2026)