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$28,513
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,400
−HK$901/mo
Today · 4.125%
HK$30,301
baseline
▲ 0.50% · 4.625%
HK$32,145
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,602/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,721
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,571
−HK$863/mo
Today · 4.125%
HK$33,434
baseline
▲ 0.50% · 4.625%
HK$35,197
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,868/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,216
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$1,082/mo
Today · 4.125%
HK$36,362
baseline
▲ 0.50% · 4.625%
HK$38,574
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,724/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,065
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,086
−HK$1,035/mo
Today · 4.125%
HK$40,121
baseline
▲ 0.50% · 4.625%
HK$42,236
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,242/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,919
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,160
−HK$1,262/mo
Today · 4.125%
HK$42,422
baseline
▲ 0.50% · 4.625%
HK$45,003
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,844/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,409
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,600
−HK$1,208/mo
Today · 4.125%
HK$46,808
baseline
▲ 0.50% · 4.625%
HK$49,276
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,616/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,324
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,920
−HK$1,622/mo
Today · 4.125%
HK$54,542
baseline
▲ 0.50% · 4.625%
HK$57,861
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,084/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,097
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,629
−HK$1,553/mo
Today · 4.125%
HK$60,182
baseline
▲ 0.50% · 4.625%
HK$63,354
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,364/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,916 · Scale 2, in force from 26 Feb 2026)