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$28,504
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,390
−HK$901/mo
Today · 4.125%
HK$30,291
baseline
▲ 0.50% · 4.625%
HK$32,134
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,582/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,710
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,560
−HK$863/mo
Today · 4.125%
HK$33,423
baseline
▲ 0.50% · 4.625%
HK$35,185
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,846/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,204
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,268
−HK$1,081/mo
Today · 4.125%
HK$36,349
baseline
▲ 0.50% · 4.625%
HK$38,561
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,698/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,052
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,035/mo
Today · 4.125%
HK$40,108
baseline
▲ 0.50% · 4.625%
HK$42,222
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,216/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,905
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,146
−HK$1,261/mo
Today · 4.125%
HK$42,407
baseline
▲ 0.50% · 4.625%
HK$44,988
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,814/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,394
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,585
−HK$1,207/mo
Today · 4.125%
HK$46,792
baseline
▲ 0.50% · 4.625%
HK$49,259
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,584/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,307
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,902
−HK$1,622/mo
Today · 4.125%
HK$54,524
baseline
▲ 0.50% · 4.625%
HK$57,842
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,048/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,078
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,609
−HK$1,553/mo
Today · 4.125%
HK$60,162
baseline
▲ 0.50% · 4.625%
HK$63,333
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,324/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,758 · Scale 2, in force from 26 Feb 2026)