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$28,490
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,376
−HK$900/mo
Today · 4.125%
HK$30,276
baseline
▲ 0.50% · 4.625%
HK$32,119
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,552/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,695
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,545
−HK$862/mo
Today · 4.125%
HK$33,407
baseline
▲ 0.50% · 4.625%
HK$35,168
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,814/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,188
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,251
−HK$1,081/mo
Today · 4.125%
HK$36,332
baseline
▲ 0.50% · 4.625%
HK$38,542
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,664/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,034
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,054
−HK$1,035/mo
Today · 4.125%
HK$40,089
baseline
▲ 0.50% · 4.625%
HK$42,202
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,178/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,886
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,127
−HK$1,260/mo
Today · 4.125%
HK$42,387
baseline
▲ 0.50% · 4.625%
HK$44,966
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,774/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,373
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,563
−HK$1,207/mo
Today · 4.125%
HK$46,770
baseline
▲ 0.50% · 4.625%
HK$49,235
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,540/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,282
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,877
−HK$1,621/mo
Today · 4.125%
HK$54,498
baseline
▲ 0.50% · 4.625%
HK$57,814
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,996/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,050
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,581
−HK$1,552/mo
Today · 4.125%
HK$60,133
baseline
▲ 0.50% · 4.625%
HK$63,302
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,266/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,532 · Scale 2, in force from 26 Feb 2026)