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$28,494
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$901/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,562/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,699
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$863/mo
Today · 4.125%
HK$33,412
baseline
▲ 0.50% · 4.625%
HK$35,173
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,824/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,193
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$1,081/mo
Today · 4.125%
HK$36,337
baseline
▲ 0.50% · 4.625%
HK$38,548
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,674/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,039
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,059
−HK$1,035/mo
Today · 4.125%
HK$40,094
baseline
▲ 0.50% · 4.625%
HK$42,208
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,188/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,892
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,132
−HK$1,261/mo
Today · 4.125%
HK$42,393
baseline
▲ 0.50% · 4.625%
HK$44,973
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,786/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,379
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,569
−HK$1,208/mo
Today · 4.125%
HK$46,777
baseline
▲ 0.50% · 4.625%
HK$49,242
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,554/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,289
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,885
−HK$1,620/mo
Today · 4.125%
HK$54,505
baseline
▲ 0.50% · 4.625%
HK$57,822
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,010/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,059
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,589
−HK$1,552/mo
Today · 4.125%
HK$60,141
baseline
▲ 0.50% · 4.625%
HK$63,311
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,282/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,599 · Scale 2, in force from 26 Feb 2026)