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$28,497
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,384
−HK$901/mo
Today · 4.125%
HK$30,285
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,570/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$863/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,197
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,261
−HK$1,080/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,553
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,044
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,064
−HK$1,035/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,213
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,896
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,137
−HK$1,261/mo
Today · 4.125%
HK$42,398
baseline
▲ 0.50% · 4.625%
HK$44,978
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,796/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,384
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,207/mo
Today · 4.125%
HK$46,782
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,564/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,295
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,891
−HK$1,621/mo
Today · 4.125%
HK$54,512
baseline
▲ 0.50% · 4.625%
HK$57,829
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,024/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,066
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,596
−HK$1,553/mo
Today · 4.125%
HK$60,149
baseline
▲ 0.50% · 4.625%
HK$63,319
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,298/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,656 · Scale 2, in force from 26 Feb 2026)