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$28,523
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,410
−HK$901/mo
Today · 4.125%
HK$30,311
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,845/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,622/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,731
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$864/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,227
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$1,082/mo
Today · 4.125%
HK$36,374
baseline
▲ 0.50% · 4.625%
HK$38,587
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,748/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,078
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,099
−HK$1,036/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,250
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,932
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,174
−HK$1,262/mo
Today · 4.125%
HK$42,436
baseline
▲ 0.50% · 4.625%
HK$45,018
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,872/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,424
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,615
−HK$1,209/mo
Today · 4.125%
HK$46,824
baseline
▲ 0.50% · 4.625%
HK$49,292
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,648/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,341
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,938
−HK$1,623/mo
Today · 4.125%
HK$54,561
baseline
▲ 0.50% · 4.625%
HK$57,880
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,122/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,116
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,648
−HK$1,554/mo
Today · 4.125%
HK$60,202
baseline
▲ 0.50% · 4.625%
HK$63,375
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,404/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,072 · Scale 2, in force from 26 Feb 2026)