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$22,817
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,526
−HK$722/mo
Today · 4.125%
HK$24,248
baseline
▲ 0.50% · 4.625%
HK$25,723
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,496/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,383
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,064
−HK$691/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,165
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,510/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,380
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,232
−HK$865/mo
Today · 4.125%
HK$29,097
baseline
▲ 0.50% · 4.625%
HK$30,868
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,194/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,460
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,277
−HK$829/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$33,798
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,212/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,943
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,937
−HK$1,010/mo
Today · 4.125%
HK$33,947
baseline
▲ 0.50% · 4.625%
HK$36,012
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,894/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,537
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,490
−HK$967/mo
Today · 4.125%
HK$37,457
baseline
▲ 0.50% · 4.625%
HK$39,431
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,914/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,070
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,348
−HK$1,298/mo
Today · 4.125%
HK$43,646
baseline
▲ 0.50% · 4.625%
HK$46,301
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,292/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,690
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,916
−HK$1,243/mo
Today · 4.125%
HK$48,159
baseline
▲ 0.50% · 4.625%
HK$50,697
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,318/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,623 · Scale 2, in force from 26 Feb 2026)