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$22,810
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,520
−HK$721/mo
Today · 4.125%
HK$24,241
baseline
▲ 0.50% · 4.625%
HK$25,716
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,482/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,057
−HK$690/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,157
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,372
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,224
−HK$865/mo
Today · 4.125%
HK$29,089
baseline
▲ 0.50% · 4.625%
HK$30,859
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,178/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,452
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,268
−HK$829/mo
Today · 4.125%
HK$32,097
baseline
▲ 0.50% · 4.625%
HK$33,789
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,194/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,935
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,928
−HK$1,009/mo
Today · 4.125%
HK$33,937
baseline
▲ 0.50% · 4.625%
HK$36,002
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,874/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,527
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,480
−HK$966/mo
Today · 4.125%
HK$37,446
baseline
▲ 0.50% · 4.625%
HK$39,420
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,892/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,059
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,336
−HK$1,297/mo
Today · 4.125%
HK$43,633
baseline
▲ 0.50% · 4.625%
HK$46,288
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,266/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,677
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,902
−HK$1,243/mo
Today · 4.125%
HK$48,145
baseline
▲ 0.50% · 4.625%
HK$50,683
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,290/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,343 · Scale 2, in force from 26 Feb 2026)