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$28,495
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,381
−HK$900/mo
Today · 4.125%
HK$30,281
baseline
▲ 0.50% · 4.625%
HK$32,124
+HK$1,843/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$468,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,700
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,550
−HK$863/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,174
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,193
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,257
−HK$1,081/mo
Today · 4.125%
HK$36,338
baseline
▲ 0.50% · 4.625%
HK$38,549
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,676/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,040
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,035/mo
Today · 4.125%
HK$40,095
baseline
▲ 0.50% · 4.625%
HK$42,209
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,190/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,892
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,133
−HK$1,261/mo
Today · 4.125%
HK$42,394
baseline
▲ 0.50% · 4.625%
HK$44,974
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,788/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,380
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,570
−HK$1,208/mo
Today · 4.125%
HK$46,778
baseline
▲ 0.50% · 4.625%
HK$49,243
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,556/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,290
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,886
−HK$1,621/mo
Today · 4.125%
HK$54,507
baseline
▲ 0.50% · 4.625%
HK$57,823
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,014/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,060
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,590
−HK$1,553/mo
Today · 4.125%
HK$60,143
baseline
▲ 0.50% · 4.625%
HK$63,313
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,286/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,608 · Scale 2, in force from 26 Feb 2026)