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$28,487
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,373
−HK$900/mo
Today · 4.125%
HK$30,273
baseline
▲ 0.50% · 4.625%
HK$32,116
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,546/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,692
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,542
−HK$862/mo
Today · 4.125%
HK$33,404
baseline
▲ 0.50% · 4.625%
HK$35,165
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,808/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,185
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,248
−HK$1,080/mo
Today · 4.125%
HK$36,328
baseline
▲ 0.50% · 4.625%
HK$38,539
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,656/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,030
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,035/mo
Today · 4.125%
HK$40,085
baseline
▲ 0.50% · 4.625%
HK$42,197
+HK$2,112/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,170/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,882
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,122
−HK$1,261/mo
Today · 4.125%
HK$42,383
baseline
▲ 0.50% · 4.625%
HK$44,962
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,766/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,368
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,558
−HK$1,207/mo
Today · 4.125%
HK$46,765
baseline
▲ 0.50% · 4.625%
HK$49,230
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,530/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,277
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,872
−HK$1,620/mo
Today · 4.125%
HK$54,492
baseline
▲ 0.50% · 4.625%
HK$57,808
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,984/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,045
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,552/mo
Today · 4.125%
HK$60,127
baseline
▲ 0.50% · 4.625%
HK$63,296
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,254/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,486 · Scale 2, in force from 26 Feb 2026)