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$22,805
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,515
−HK$721/mo
Today · 4.125%
HK$24,236
baseline
▲ 0.50% · 4.625%
HK$25,710
+HK$1,474/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,472/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,371
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,051
−HK$691/mo
Today · 4.125%
HK$26,742
baseline
▲ 0.50% · 4.625%
HK$28,151
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,484/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,366
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,218
−HK$865/mo
Today · 4.125%
HK$29,083
baseline
▲ 0.50% · 4.625%
HK$30,852
+HK$1,769/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,166/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,445
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,261
−HK$829/mo
Today · 4.125%
HK$32,090
baseline
▲ 0.50% · 4.625%
HK$33,781
+HK$1,691/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,180/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,928
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,921
−HK$1,009/mo
Today · 4.125%
HK$33,930
baseline
▲ 0.50% · 4.625%
HK$35,994
+HK$2,064/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,860/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,519
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,472
−HK$966/mo
Today · 4.125%
HK$37,438
baseline
▲ 0.50% · 4.625%
HK$39,412
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,876/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,050
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,327
−HK$1,297/mo
Today · 4.125%
HK$43,624
baseline
▲ 0.50% · 4.625%
HK$46,278
+HK$2,654/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,248/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,667
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,892
−HK$1,243/mo
Today · 4.125%
HK$48,135
baseline
▲ 0.50% · 4.625%
HK$50,672
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,270/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,125 · Scale 2, in force from 26 Feb 2026)