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$28,516
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,403
−HK$901/mo
Today · 4.125%
HK$30,304
baseline
▲ 0.50% · 4.625%
HK$32,148
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,608/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,723
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$863/mo
Today · 4.125%
HK$33,437
baseline
▲ 0.50% · 4.625%
HK$35,200
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,874/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,219
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,283
−HK$1,082/mo
Today · 4.125%
HK$36,365
baseline
▲ 0.50% · 4.625%
HK$38,577
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,730/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,068
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,089
−HK$1,036/mo
Today · 4.125%
HK$40,125
baseline
▲ 0.50% · 4.625%
HK$42,240
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,250/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,922
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,164
−HK$1,261/mo
Today · 4.125%
HK$42,425
baseline
▲ 0.50% · 4.625%
HK$45,007
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,850/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,413
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,604
−HK$1,208/mo
Today · 4.125%
HK$46,812
baseline
▲ 0.50% · 4.625%
HK$49,280
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,624/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,328
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,925
−HK$1,622/mo
Today · 4.125%
HK$54,547
baseline
▲ 0.50% · 4.625%
HK$57,866
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,094/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,102
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,633
−HK$1,554/mo
Today · 4.125%
HK$60,187
baseline
▲ 0.50% · 4.625%
HK$63,360
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,374/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,954 · Scale 2, in force from 26 Feb 2026)