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$22,820
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,530
−HK$721/mo
Today · 4.125%
HK$24,251
baseline
▲ 0.50% · 4.625%
HK$25,726
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,502/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,387
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,068
−HK$690/mo
Today · 4.125%
HK$26,758
baseline
▲ 0.50% · 4.625%
HK$28,169
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,516/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,384
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,236
−HK$865/mo
Today · 4.125%
HK$29,101
baseline
▲ 0.50% · 4.625%
HK$30,872
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,202/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,464
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,281
−HK$829/mo
Today · 4.125%
HK$32,110
baseline
▲ 0.50% · 4.625%
HK$33,803
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,220/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,948
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,942
−HK$1,009/mo
Today · 4.125%
HK$33,951
baseline
▲ 0.50% · 4.625%
HK$36,017
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,902/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,542
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,495
−HK$967/mo
Today · 4.125%
HK$37,462
baseline
▲ 0.50% · 4.625%
HK$39,436
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,924/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,076
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,353
−HK$1,299/mo
Today · 4.125%
HK$43,652
baseline
▲ 0.50% · 4.625%
HK$46,308
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,304/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,696
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,922
−HK$1,243/mo
Today · 4.125%
HK$48,165
baseline
▲ 0.50% · 4.625%
HK$50,704
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,330/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,759 · Scale 2, in force from 26 Feb 2026)