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$22,822
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,532
−HK$721/mo
Today · 4.125%
HK$24,253
baseline
▲ 0.50% · 4.625%
HK$25,729
+HK$1,476/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,506/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,390
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$691/mo
Today · 4.125%
HK$26,761
baseline
▲ 0.50% · 4.625%
HK$28,172
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,522/mo (50% DSR)
Upfront cash ≈ HK$5.38M (deposit + AVD stamp duty HK$370,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,387
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,239
−HK$865/mo
Today · 4.125%
HK$29,104
baseline
▲ 0.50% · 4.625%
HK$30,875
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.01M · min. income ≈ HK$58,208/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,467
−HK$1,647/mo
▼ 0.25% · 3.875%
HK$31,285
−HK$829/mo
Today · 4.125%
HK$32,114
baseline
▲ 0.50% · 4.625%
HK$33,806
+HK$1,692/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$370,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,951
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,945
−HK$1,010/mo
Today · 4.125%
HK$33,955
baseline
▲ 0.50% · 4.625%
HK$36,021
+HK$2,066/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$370,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,545
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$36,499
−HK$967/mo
Today · 4.125%
HK$37,466
baseline
▲ 0.50% · 4.625%
HK$39,441
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,932/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,080
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,358
−HK$1,298/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,657/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,701
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,927
−HK$1,243/mo
Today · 4.125%
HK$48,170
baseline
▲ 0.50% · 4.625%
HK$50,709
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,340/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,864 · Scale 2, in force from 26 Feb 2026)