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$23,512
−HK$721/mo
Today · 4.125%
HK$24,233
baseline
▲ 0.50% · 4.625%
HK$25,707
+HK$1,474/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$370,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,368
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,048
−HK$691/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$370,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,363
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,215
−HK$864/mo
Today · 4.125%
HK$29,079
baseline
▲ 0.50% · 4.625%
HK$30,849
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,158/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,442
−HK$1,644/mo
▼ 0.25% · 3.875%
HK$31,258
−HK$828/mo
Today · 4.125%
HK$32,086
baseline
▲ 0.50% · 4.625%
HK$33,778
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,172/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,924
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,917
−HK$1,009/mo
Today · 4.125%
HK$33,926
baseline
▲ 0.50% · 4.625%
HK$35,990
+HK$2,064/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$370,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,515
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,468
−HK$966/mo
Today · 4.125%
HK$37,434
baseline
▲ 0.50% · 4.625%
HK$39,407
+HK$1,973/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,868/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,045
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,322
−HK$1,297/mo
Today · 4.125%
HK$43,619
baseline
▲ 0.50% · 4.625%
HK$46,273
+HK$2,654/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,238/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,662
−HK$2,467/mo
▼ 0.25% · 3.875%
HK$46,887
−HK$1,242/mo
Today · 4.125%
HK$48,129
baseline
▲ 0.50% · 4.625%
HK$50,666
+HK$2,537/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,258/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,014 · Scale 2, in force from 26 Feb 2026)