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$22,809
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,518
−HK$721/mo
Today · 4.125%
HK$24,239
baseline
▲ 0.50% · 4.625%
HK$25,714
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,478/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,374
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,055
−HK$690/mo
Today · 4.125%
HK$26,745
baseline
▲ 0.50% · 4.625%
HK$28,155
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,490/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,370
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,222
−HK$865/mo
Today · 4.125%
HK$29,087
baseline
▲ 0.50% · 4.625%
HK$30,857
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,174/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,449
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,266
−HK$828/mo
Today · 4.125%
HK$32,094
baseline
▲ 0.50% · 4.625%
HK$33,786
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,188/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,932
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,925
−HK$1,010/mo
Today · 4.125%
HK$33,935
baseline
▲ 0.50% · 4.625%
HK$35,999
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,870/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,524
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,477
−HK$967/mo
Today · 4.125%
HK$37,444
baseline
▲ 0.50% · 4.625%
HK$39,417
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,888/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,056
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,333
−HK$1,297/mo
Today · 4.125%
HK$43,630
baseline
▲ 0.50% · 4.625%
HK$46,285
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,260/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,674
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,899
−HK$1,243/mo
Today · 4.125%
HK$48,142
baseline
▲ 0.50% · 4.625%
HK$50,679
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,284/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,270 · Scale 2, in force from 26 Feb 2026)