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$28,483
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,369
−HK$900/mo
Today · 4.125%
HK$30,269
baseline
▲ 0.50% · 4.625%
HK$32,111
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,538/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,687
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,537
−HK$862/mo
Today · 4.125%
HK$33,399
baseline
▲ 0.50% · 4.625%
HK$35,160
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,798/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,180
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$1,080/mo
Today · 4.125%
HK$36,323
baseline
▲ 0.50% · 4.625%
HK$38,533
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,646/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,025
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,044
−HK$1,035/mo
Today · 4.125%
HK$40,079
baseline
▲ 0.50% · 4.625%
HK$42,192
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,158/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,876
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,117
−HK$1,260/mo
Today · 4.125%
HK$42,377
baseline
▲ 0.50% · 4.625%
HK$44,956
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,754/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,362
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,552
−HK$1,207/mo
Today · 4.125%
HK$46,759
baseline
▲ 0.50% · 4.625%
HK$49,224
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,518/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,270
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,864
−HK$1,621/mo
Today · 4.125%
HK$54,485
baseline
▲ 0.50% · 4.625%
HK$57,800
+HK$3,315/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,970/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,037
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,567
−HK$1,551/mo
Today · 4.125%
HK$60,118
baseline
▲ 0.50% · 4.625%
HK$63,287
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,236/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,420 · Scale 2, in force from 26 Feb 2026)