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$28,517
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,404
−HK$901/mo
Today · 4.125%
HK$30,305
baseline
▲ 0.50% · 4.625%
HK$32,149
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,610/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,725
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,576
−HK$863/mo
Today · 4.125%
HK$33,439
baseline
▲ 0.50% · 4.625%
HK$35,201
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,878/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,285
−HK$1,081/mo
Today · 4.125%
HK$36,366
baseline
▲ 0.50% · 4.625%
HK$38,579
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,732/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,070
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,091
−HK$1,036/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,242
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,924
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,166
−HK$1,261/mo
Today · 4.125%
HK$42,427
baseline
▲ 0.50% · 4.625%
HK$45,009
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,854/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,415
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,208/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,282
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,330
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,927
−HK$1,622/mo
Today · 4.125%
HK$54,549
baseline
▲ 0.50% · 4.625%
HK$57,869
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,098/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,105
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,636
−HK$1,554/mo
Today · 4.125%
HK$60,190
baseline
▲ 0.50% · 4.625%
HK$63,362
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,380/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,976 · Scale 2, in force from 26 Feb 2026)