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$28,505
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,392
−HK$901/mo
Today · 4.125%
HK$30,293
baseline
▲ 0.50% · 4.625%
HK$32,136
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,586/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,712
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$863/mo
Today · 4.125%
HK$33,425
baseline
▲ 0.50% · 4.625%
HK$35,187
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,850/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$1,081/mo
Today · 4.125%
HK$36,351
baseline
▲ 0.50% · 4.625%
HK$38,563
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,702/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,054
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,075
−HK$1,035/mo
Today · 4.125%
HK$40,110
baseline
▲ 0.50% · 4.625%
HK$42,224
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,220/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,907
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,149
−HK$1,261/mo
Today · 4.125%
HK$42,410
baseline
▲ 0.50% · 4.625%
HK$44,991
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,820/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,397
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,587
−HK$1,208/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,262
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,310
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,906
−HK$1,621/mo
Today · 4.125%
HK$54,527
baseline
▲ 0.50% · 4.625%
HK$57,845
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,054/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,081
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,612
−HK$1,553/mo
Today · 4.125%
HK$60,165
baseline
▲ 0.50% · 4.625%
HK$63,337
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,330/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,785 · Scale 2, in force from 26 Feb 2026)