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$22,823
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,533
−HK$721/mo
Today · 4.125%
HK$24,254
baseline
▲ 0.50% · 4.625%
HK$25,730
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,508/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,071
−HK$691/mo
Today · 4.125%
HK$26,762
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,524/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,239
−HK$866/mo
Today · 4.125%
HK$29,105
baseline
▲ 0.50% · 4.625%
HK$30,876
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,210/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,468
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$829/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$33,807
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$64,228/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,952
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,946
−HK$1,009/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$36,022
+HK$2,067/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,910/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,546
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$968/mo
Today · 4.125%
HK$37,467
baseline
▲ 0.50% · 4.625%
HK$39,441
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,934/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,081
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,298/mo
Today · 4.125%
HK$43,657
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,314/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,702
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,928
−HK$1,243/mo
Today · 4.125%
HK$48,171
baseline
▲ 0.50% · 4.625%
HK$50,710
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,342/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,884 · Scale 2, in force from 26 Feb 2026)