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$23,517
−HK$721/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$370,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,373
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,054
−HK$690/mo
Today · 4.125%
HK$26,744
baseline
▲ 0.50% · 4.625%
HK$28,154
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,488/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,369
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,220
−HK$865/mo
Today · 4.125%
HK$29,085
baseline
▲ 0.50% · 4.625%
HK$30,855
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,170/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,448
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,264
−HK$829/mo
Today · 4.125%
HK$32,093
baseline
▲ 0.50% · 4.625%
HK$33,784
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,186/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,931
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,924
−HK$1,009/mo
Today · 4.125%
HK$33,933
baseline
▲ 0.50% · 4.625%
HK$35,998
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,866/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,522
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,475
−HK$967/mo
Today · 4.125%
HK$37,442
baseline
▲ 0.50% · 4.625%
HK$39,415
+HK$1,973/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$370,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,054
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,331
−HK$1,297/mo
Today · 4.125%
HK$43,628
baseline
▲ 0.50% · 4.625%
HK$46,283
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,256/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,217 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,672
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,897
−HK$1,242/mo
Today · 4.125%
HK$48,139
baseline
▲ 0.50% · 4.625%
HK$50,677
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,278/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,217 · Scale 2, in force from 26 Feb 2026)