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$28,480
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,366
−HK$900/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,842/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,684
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,534
−HK$862/mo
Today · 4.125%
HK$33,396
baseline
▲ 0.50% · 4.625%
HK$35,156
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,176
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,240
−HK$1,080/mo
Today · 4.125%
HK$36,320
baseline
▲ 0.50% · 4.625%
HK$38,530
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,640/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,021
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,041
−HK$1,034/mo
Today · 4.125%
HK$40,075
baseline
▲ 0.50% · 4.625%
HK$42,188
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,150/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,873
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,113
−HK$1,260/mo
Today · 4.125%
HK$42,373
baseline
▲ 0.50% · 4.625%
HK$44,951
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,746/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,358
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,547
−HK$1,207/mo
Today · 4.125%
HK$46,754
baseline
▲ 0.50% · 4.625%
HK$49,219
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,508/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,859
−HK$1,620/mo
Today · 4.125%
HK$54,479
baseline
▲ 0.50% · 4.625%
HK$57,794
+HK$3,315/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,958/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,031
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,552/mo
Today · 4.125%
HK$60,113
baseline
▲ 0.50% · 4.625%
HK$63,281
+HK$3,168/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,226/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,375 · Scale 2, in force from 26 Feb 2026)