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$22,823
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$721/mo
Today · 4.125%
HK$24,254
baseline
▲ 0.50% · 4.625%
HK$25,730
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,508/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,071
−HK$691/mo
Today · 4.125%
HK$26,762
baseline
▲ 0.50% · 4.625%
HK$28,173
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,524/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,388
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,240
−HK$865/mo
Today · 4.125%
HK$29,105
baseline
▲ 0.50% · 4.625%
HK$30,876
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,210/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,468
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,286
−HK$829/mo
Today · 4.125%
HK$32,115
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,230/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,952
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$1,010/mo
Today · 4.125%
HK$33,956
baseline
▲ 0.50% · 4.625%
HK$36,022
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,912/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,547
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,500
−HK$967/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,442
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,081
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,299/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$46,314
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,703
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,928
−HK$1,244/mo
Today · 4.125%
HK$48,172
baseline
▲ 0.50% · 4.625%
HK$50,711
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,344/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,899 · Scale 2, in force from 26 Feb 2026)