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$22,821
−HK$1,432/mo
▼ 0.25% · 3.875%
HK$23,531
−HK$722/mo
Today · 4.125%
HK$24,253
baseline
▲ 0.50% · 4.625%
HK$25,728
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,506/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,389
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,070
−HK$690/mo
Today · 4.125%
HK$26,760
baseline
▲ 0.50% · 4.625%
HK$28,171
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,520/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,386
−HK$1,717/mo
▼ 0.25% · 3.875%
HK$28,238
−HK$865/mo
Today · 4.125%
HK$29,103
baseline
▲ 0.50% · 4.625%
HK$30,874
+HK$1,771/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,206/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,466
−HK$1,646/mo
▼ 0.25% · 3.875%
HK$31,283
−HK$829/mo
Today · 4.125%
HK$32,112
baseline
▲ 0.50% · 4.625%
HK$33,805
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,224/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,950
−HK$2,004/mo
▼ 0.25% · 3.875%
HK$32,944
−HK$1,010/mo
Today · 4.125%
HK$33,954
baseline
▲ 0.50% · 4.625%
HK$36,020
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$67,908/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,544
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,497
−HK$967/mo
Today · 4.125%
HK$37,464
baseline
▲ 0.50% · 4.625%
HK$39,439
+HK$1,975/mo
Deposit HK$3.00M · loan HK$7.01M · min. income ≈ HK$74,928/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,079
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,356
−HK$1,299/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,700
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,925
−HK$1,244/mo
Today · 4.125%
HK$48,169
baseline
▲ 0.50% · 4.625%
HK$50,708
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,338/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,829 · Scale 2, in force from 26 Feb 2026)