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$28,522
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,409
−HK$901/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,730
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$863/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,207
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,226
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,290
−HK$1,082/mo
Today · 4.125%
HK$36,372
baseline
▲ 0.50% · 4.625%
HK$38,585
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,744/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,076
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,036/mo
Today · 4.125%
HK$40,133
baseline
▲ 0.50% · 4.625%
HK$42,248
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,266/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,930
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,262/mo
Today · 4.125%
HK$42,434
baseline
▲ 0.50% · 4.625%
HK$45,016
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,868/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,422
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,613
−HK$1,209/mo
Today · 4.125%
HK$46,822
baseline
▲ 0.50% · 4.625%
HK$49,290
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,644/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,339
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,936
−HK$1,622/mo
Today · 4.125%
HK$54,558
baseline
▲ 0.50% · 4.625%
HK$57,878
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,116/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,114
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,646
−HK$1,553/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,373
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,051 · Scale 2, in force from 26 Feb 2026)