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$22,805
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,514
−HK$721/mo
Today · 4.125%
HK$24,235
baseline
▲ 0.50% · 4.625%
HK$25,710
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,470/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,370
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$690/mo
Today · 4.125%
HK$26,741
baseline
▲ 0.50% · 4.625%
HK$28,151
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,482/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,217
−HK$865/mo
Today · 4.125%
HK$29,082
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,164/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,444
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$828/mo
Today · 4.125%
HK$32,089
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,178/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,927
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,920
−HK$1,009/mo
Today · 4.125%
HK$33,929
baseline
▲ 0.50% · 4.625%
HK$35,994
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,858/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,519
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,471
−HK$967/mo
Today · 4.125%
HK$37,438
baseline
▲ 0.50% · 4.625%
HK$39,411
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,876/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,049
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,326
−HK$1,297/mo
Today · 4.125%
HK$43,623
baseline
▲ 0.50% · 4.625%
HK$46,278
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,246/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,667
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,891
−HK$1,243/mo
Today · 4.125%
HK$48,134
baseline
▲ 0.50% · 4.625%
HK$50,671
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,268/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,109 · Scale 2, in force from 26 Feb 2026)