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$22,803
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,513
−HK$720/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,708
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,466/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,049
−HK$690/mo
Today · 4.125%
HK$26,739
baseline
▲ 0.50% · 4.625%
HK$28,148
+HK$1,409/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$370,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,364
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,215
−HK$865/mo
Today · 4.125%
HK$29,080
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,769/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$370,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,442
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,258
−HK$829/mo
Today · 4.125%
HK$32,087
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,691/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$370,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,925
−HK$2,001/mo
▼ 0.25% · 3.875%
HK$32,918
−HK$1,008/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,991
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,852/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,516
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,468
−HK$967/mo
Today · 4.125%
HK$37,435
baseline
▲ 0.50% · 4.625%
HK$39,408
+HK$1,973/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$370,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,046
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,323
−HK$1,297/mo
Today · 4.125%
HK$43,620
baseline
▲ 0.50% · 4.625%
HK$46,274
+HK$2,654/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,240/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,663
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,888
−HK$1,242/mo
Today · 4.125%
HK$48,130
baseline
▲ 0.50% · 4.625%
HK$50,667
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,260/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,030 · Scale 2, in force from 26 Feb 2026)