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$22,814
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,524
−HK$721/mo
Today · 4.125%
HK$24,245
baseline
▲ 0.50% · 4.625%
HK$25,720
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,490/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,380
−HK$1,372/mo
▼ 0.25% · 3.875%
HK$26,061
−HK$691/mo
Today · 4.125%
HK$26,752
baseline
▲ 0.50% · 4.625%
HK$28,162
+HK$1,410/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,504/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,377
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,228
−HK$866/mo
Today · 4.125%
HK$29,094
baseline
▲ 0.50% · 4.625%
HK$30,864
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,188/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,457
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,273
−HK$829/mo
Today · 4.125%
HK$32,102
baseline
▲ 0.50% · 4.625%
HK$33,794
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,204/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,940
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,933
−HK$1,010/mo
Today · 4.125%
HK$33,943
baseline
▲ 0.50% · 4.625%
HK$36,008
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,886/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,533
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,486
−HK$966/mo
Today · 4.125%
HK$37,452
baseline
▲ 0.50% · 4.625%
HK$39,427
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,904/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,065
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,343
−HK$1,298/mo
Today · 4.125%
HK$43,641
baseline
▲ 0.50% · 4.625%
HK$46,296
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,282/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,685
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,910
−HK$1,243/mo
Today · 4.125%
HK$48,153
baseline
▲ 0.50% · 4.625%
HK$50,691
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,306/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,506 · Scale 2, in force from 26 Feb 2026)