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$22,804
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$721/mo
Today · 4.125%
HK$24,234
baseline
▲ 0.50% · 4.625%
HK$25,708
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,468/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,369
−HK$1,370/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$690/mo
Today · 4.125%
HK$26,739
baseline
▲ 0.50% · 4.625%
HK$28,149
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,478/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,364
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,216
−HK$864/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,850
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,160/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,443
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,259
−HK$828/mo
Today · 4.125%
HK$32,087
baseline
▲ 0.50% · 4.625%
HK$33,779
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,174/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,925
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,918
−HK$1,009/mo
Today · 4.125%
HK$33,927
baseline
▲ 0.50% · 4.625%
HK$35,992
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,854/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,516
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,469
−HK$966/mo
Today · 4.125%
HK$37,435
baseline
▲ 0.50% · 4.625%
HK$39,409
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,870/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,047
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,323
−HK$1,298/mo
Today · 4.125%
HK$43,621
baseline
▲ 0.50% · 4.625%
HK$46,275
+HK$2,654/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,242/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,664
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,889
−HK$1,242/mo
Today · 4.125%
HK$48,131
baseline
▲ 0.50% · 4.625%
HK$50,668
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,262/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,050 · Scale 2, in force from 26 Feb 2026)