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$22,818
−HK$1,431/mo
▼ 0.25% · 3.875%
HK$23,528
−HK$721/mo
Today · 4.125%
HK$24,249
baseline
▲ 0.50% · 4.625%
HK$25,724
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,498/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,385
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,065
−HK$691/mo
Today · 4.125%
HK$26,756
baseline
▲ 0.50% · 4.625%
HK$28,167
+HK$1,411/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,512/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,381
−HK$1,718/mo
▼ 0.25% · 3.875%
HK$28,233
−HK$866/mo
Today · 4.125%
HK$29,099
baseline
▲ 0.50% · 4.625%
HK$30,869
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,198/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,462
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,279
−HK$828/mo
Today · 4.125%
HK$32,107
baseline
▲ 0.50% · 4.625%
HK$33,800
+HK$1,693/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,214/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,945
−HK$2,003/mo
▼ 0.25% · 3.875%
HK$32,939
−HK$1,009/mo
Today · 4.125%
HK$33,948
baseline
▲ 0.50% · 4.625%
HK$36,014
+HK$2,066/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,896/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,539
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$36,492
−HK$967/mo
Today · 4.125%
HK$37,459
baseline
▲ 0.50% · 4.625%
HK$39,433
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,918/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,072
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,350
−HK$1,298/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$46,304
+HK$2,656/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,692
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,243/mo
Today · 4.125%
HK$48,161
baseline
▲ 0.50% · 4.625%
HK$50,700
+HK$2,539/mo
Deposit HK$1.00M · loan HK$9.01M · min. income ≈ HK$96,322/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,673 · Scale 2, in force from 26 Feb 2026)