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$28,489
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,375
−HK$900/mo
Today · 4.125%
HK$30,275
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,550/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,693
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$863/mo
Today · 4.125%
HK$33,406
baseline
▲ 0.50% · 4.625%
HK$35,166
+HK$1,760/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,812/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,250
−HK$1,080/mo
Today · 4.125%
HK$36,330
baseline
▲ 0.50% · 4.625%
HK$38,541
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,660/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,032
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,052
−HK$1,035/mo
Today · 4.125%
HK$40,087
baseline
▲ 0.50% · 4.625%
HK$42,200
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,174/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,884
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,125
−HK$1,260/mo
Today · 4.125%
HK$42,385
baseline
▲ 0.50% · 4.625%
HK$44,964
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,770/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,371
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,561
−HK$1,207/mo
Today · 4.125%
HK$46,768
baseline
▲ 0.50% · 4.625%
HK$49,233
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,536/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,279
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,875
−HK$1,620/mo
Today · 4.125%
HK$54,495
baseline
▲ 0.50% · 4.625%
HK$57,811
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,990/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,048
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,578
−HK$1,552/mo
Today · 4.125%
HK$60,130
baseline
▲ 0.50% · 4.625%
HK$63,300
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,260/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,510 · Scale 2, in force from 26 Feb 2026)