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$28,505
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,392
−HK$900/mo
Today · 4.125%
HK$30,292
baseline
▲ 0.50% · 4.625%
HK$32,136
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,584/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,711
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$863/mo
Today · 4.125%
HK$33,425
baseline
▲ 0.50% · 4.625%
HK$35,187
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,850/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$1,081/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,563
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,054
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,074
−HK$1,036/mo
Today · 4.125%
HK$40,110
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,220/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,907
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,148
−HK$1,261/mo
Today · 4.125%
HK$42,409
baseline
▲ 0.50% · 4.625%
HK$44,990
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,818/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,396
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,587
−HK$1,208/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,261
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,309
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,905
−HK$1,621/mo
Today · 4.125%
HK$54,526
baseline
▲ 0.50% · 4.625%
HK$57,844
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,052/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,081
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,612
−HK$1,553/mo
Today · 4.125%
HK$60,165
baseline
▲ 0.50% · 4.625%
HK$63,336
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,330/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,779 · Scale 2, in force from 26 Feb 2026)