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$28,525
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,413
−HK$901/mo
Today · 4.125%
HK$30,314
baseline
▲ 0.50% · 4.625%
HK$32,159
+HK$1,845/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,628/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,734
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$864/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,212
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,231
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,295
−HK$1,082/mo
Today · 4.125%
HK$36,377
baseline
▲ 0.50% · 4.625%
HK$38,591
+HK$2,214/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,754/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,081
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,102
−HK$1,037/mo
Today · 4.125%
HK$40,139
baseline
▲ 0.50% · 4.625%
HK$42,254
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,278/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,936
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,178
−HK$1,262/mo
Today · 4.125%
HK$42,440
baseline
▲ 0.50% · 4.625%
HK$45,022
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,880/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,428
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,208/mo
Today · 4.125%
HK$46,828
baseline
▲ 0.50% · 4.625%
HK$49,297
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,656/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,346
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,943
−HK$1,623/mo
Today · 4.125%
HK$54,566
baseline
▲ 0.50% · 4.625%
HK$57,886
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,132/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,122
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,654
−HK$1,554/mo
Today · 4.125%
HK$60,208
baseline
▲ 0.50% · 4.625%
HK$63,382
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,416/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,117 · Scale 2, in force from 26 Feb 2026)