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$28,501
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$901/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$32,131
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,707
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$863/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,181
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,201
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,265
−HK$1,080/mo
Today · 4.125%
HK$36,345
baseline
▲ 0.50% · 4.625%
HK$38,557
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,690/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,036/mo
Today · 4.125%
HK$40,104
baseline
▲ 0.50% · 4.625%
HK$42,218
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,208/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,901
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,142
−HK$1,261/mo
Today · 4.125%
HK$42,403
baseline
▲ 0.50% · 4.625%
HK$44,983
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,806/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,389
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,580
−HK$1,208/mo
Today · 4.125%
HK$46,788
baseline
▲ 0.50% · 4.625%
HK$49,254
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,576/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,301
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,897
−HK$1,621/mo
Today · 4.125%
HK$54,518
baseline
▲ 0.50% · 4.625%
HK$57,836
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,036/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,072
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,603
−HK$1,552/mo
Today · 4.125%
HK$60,155
baseline
▲ 0.50% · 4.625%
HK$63,326
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,310/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,709 · Scale 2, in force from 26 Feb 2026)