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$22,811
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,521
−HK$721/mo
Today · 4.125%
HK$24,242
baseline
▲ 0.50% · 4.625%
HK$25,717
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,484/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,377
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,058
−HK$690/mo
Today · 4.125%
HK$26,748
baseline
▲ 0.50% · 4.625%
HK$28,158
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,496/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,373
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,225
−HK$865/mo
Today · 4.125%
HK$29,090
baseline
▲ 0.50% · 4.625%
HK$30,860
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,180/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,269
−HK$829/mo
Today · 4.125%
HK$32,098
baseline
▲ 0.50% · 4.625%
HK$33,790
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,196/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,935
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,929
−HK$1,009/mo
Today · 4.125%
HK$33,938
baseline
▲ 0.50% · 4.625%
HK$36,003
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,876/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,528
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,481
−HK$966/mo
Today · 4.125%
HK$37,447
baseline
▲ 0.50% · 4.625%
HK$39,421
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,894/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,060
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,337
−HK$1,298/mo
Today · 4.125%
HK$43,635
baseline
▲ 0.50% · 4.625%
HK$46,290
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,270/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,679
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,904
−HK$1,243/mo
Today · 4.125%
HK$48,147
baseline
▲ 0.50% · 4.625%
HK$50,684
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,294/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,373 · Scale 2, in force from 26 Feb 2026)