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$23,527
−HK$721/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$370,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,384
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$690/mo
Today · 4.125%
HK$26,755
baseline
▲ 0.50% · 4.625%
HK$28,166
+HK$1,411/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$370,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,381
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,232
−HK$866/mo
Today · 4.125%
HK$29,098
baseline
▲ 0.50% · 4.625%
HK$30,868
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,196/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,461
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,278
−HK$828/mo
Today · 4.125%
HK$32,106
baseline
▲ 0.50% · 4.625%
HK$33,799
+HK$1,693/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$370,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,944
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,938
−HK$1,009/mo
Today · 4.125%
HK$33,947
baseline
▲ 0.50% · 4.625%
HK$36,013
+HK$2,066/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$370,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,537
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,491
−HK$966/mo
Today · 4.125%
HK$37,457
baseline
▲ 0.50% · 4.625%
HK$39,432
+HK$1,975/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$370,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,071
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,348
−HK$1,298/mo
Today · 4.125%
HK$43,646
baseline
▲ 0.50% · 4.625%
HK$46,302
+HK$2,656/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$370,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,691
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,916
−HK$1,244/mo
Today · 4.125%
HK$48,160
baseline
▲ 0.50% · 4.625%
HK$50,698
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,320/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,642 · Scale 2, in force from 26 Feb 2026)