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$22,810
−HK$1,430/mo
▼ 0.25% · 3.875%
HK$23,519
−HK$721/mo
Today · 4.125%
HK$24,240
baseline
▲ 0.50% · 4.625%
HK$25,715
+HK$1,475/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$48,480/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$25,376
−HK$1,371/mo
▼ 0.25% · 3.875%
HK$26,056
−HK$691/mo
Today · 4.125%
HK$26,747
baseline
▲ 0.50% · 4.625%
HK$28,156
+HK$1,409/mo
Deposit HK$5.00M · loan HK$5.00M · min. income ≈ HK$53,494/mo (50% DSR)
Upfront cash ≈ HK$5.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$27,372
−HK$1,716/mo
▼ 0.25% · 3.875%
HK$28,223
−HK$865/mo
Today · 4.125%
HK$29,088
baseline
▲ 0.50% · 4.625%
HK$30,858
+HK$1,770/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$58,176/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,451
−HK$1,645/mo
▼ 0.25% · 3.875%
HK$31,267
−HK$829/mo
Today · 4.125%
HK$32,096
baseline
▲ 0.50% · 4.625%
HK$33,788
+HK$1,692/mo
Deposit HK$4.00M · loan HK$6.00M · min. income ≈ HK$64,192/mo (50% DSR)
Upfront cash ≈ HK$4.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,934
−HK$2,002/mo
▼ 0.25% · 3.875%
HK$32,927
−HK$1,009/mo
Today · 4.125%
HK$33,936
baseline
▲ 0.50% · 4.625%
HK$36,001
+HK$2,065/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$67,872/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,526
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$36,479
−HK$966/mo
Today · 4.125%
HK$37,445
baseline
▲ 0.50% · 4.625%
HK$39,419
+HK$1,974/mo
Deposit HK$3.00M · loan HK$7.00M · min. income ≈ HK$74,890/mo (50% DSR)
Upfront cash ≈ HK$3.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,058
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,297/mo
Today · 4.125%
HK$43,632
baseline
▲ 0.50% · 4.625%
HK$46,287
+HK$2,655/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$87,264/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,676
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,901
−HK$1,243/mo
Today · 4.125%
HK$48,144
baseline
▲ 0.50% · 4.625%
HK$50,682
+HK$2,538/mo
Deposit HK$1.00M · loan HK$9.00M · min. income ≈ HK$96,288/mo (50% DSR)
Upfront cash ≈ HK$1.37M (deposit + AVD stamp duty HK$370,316 · Scale 2, in force from 26 Feb 2026)