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$28,509
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,395
−HK$901/mo
Today · 4.125%
HK$30,296
baseline
▲ 0.50% · 4.625%
HK$32,140
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,592/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,715
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$863/mo
Today · 4.125%
HK$33,429
baseline
▲ 0.50% · 4.625%
HK$35,191
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,858/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,210
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,274
−HK$1,082/mo
Today · 4.125%
HK$36,356
baseline
▲ 0.50% · 4.625%
HK$38,568
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,712/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,059
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,079
−HK$1,036/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,229
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,912
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,153
−HK$1,262/mo
Today · 4.125%
HK$42,415
baseline
▲ 0.50% · 4.625%
HK$44,996
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,830/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,402
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,592
−HK$1,209/mo
Today · 4.125%
HK$46,801
baseline
▲ 0.50% · 4.625%
HK$49,267
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,602/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,315
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,912
−HK$1,621/mo
Today · 4.125%
HK$54,533
baseline
▲ 0.50% · 4.625%
HK$57,852
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,066/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,088
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,619
−HK$1,553/mo
Today · 4.125%
HK$60,172
baseline
▲ 0.50% · 4.625%
HK$63,344
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,344/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,838 · Scale 2, in force from 26 Feb 2026)