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$22,819
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,529
−HK$721/mo
Today · 4.125%
HK$24,250
baseline
▲ 0.50% · 4.625%
HK$25,725
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,500/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,386
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,067
−HK$690/mo
Today · 4.125%
HK$26,757
baseline
▲ 0.50% · 4.625%
HK$28,168
+HK$1,411/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$370,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,383
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,235
−HK$865/mo
Today · 4.125%
HK$29,100
baseline
▲ 0.50% · 4.625%
HK$30,871
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,200/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,463
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,280
−HK$829/mo
Today · 4.125%
HK$32,109
baseline
▲ 0.50% · 4.625%
HK$33,801
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,218/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,947
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,940
−HK$1,010/mo
Today · 4.125%
HK$33,950
baseline
▲ 0.50% · 4.625%
HK$36,016
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,900/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,540
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,493
−HK$967/mo
Today · 4.125%
HK$37,460
baseline
▲ 0.50% · 4.625%
HK$39,435
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,920/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,074
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,352
−HK$1,298/mo
Today · 4.125%
HK$43,650
baseline
▲ 0.50% · 4.625%
HK$46,306
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,300/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,695
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,920
−HK$1,243/mo
Today · 4.125%
HK$48,163
baseline
▲ 0.50% · 4.625%
HK$50,702
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,326/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,720 · Scale 2, in force from 26 Feb 2026)