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$28,476
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,362
−HK$900/mo
Today · 4.125%
HK$30,262
baseline
▲ 0.50% · 4.625%
HK$32,103
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,524/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,680
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$862/mo
Today · 4.125%
HK$33,391
baseline
▲ 0.50% · 4.625%
HK$35,151
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,782/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,172
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,234
−HK$1,080/mo
Today · 4.125%
HK$36,314
baseline
▲ 0.50% · 4.625%
HK$38,524
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,628/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,015
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,034/mo
Today · 4.125%
HK$40,069
baseline
▲ 0.50% · 4.625%
HK$42,181
+HK$2,112/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,138/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,867
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,107
−HK$1,260/mo
Today · 4.125%
HK$42,367
baseline
▲ 0.50% · 4.625%
HK$44,945
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,734/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,351
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,541
−HK$1,207/mo
Today · 4.125%
HK$46,748
baseline
▲ 0.50% · 4.625%
HK$49,212
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,496/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,257
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,852
−HK$1,620/mo
Today · 4.125%
HK$54,472
baseline
▲ 0.50% · 4.625%
HK$57,786
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,944/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,023
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,553
−HK$1,551/mo
Today · 4.125%
HK$60,104
baseline
▲ 0.50% · 4.625%
HK$63,272
+HK$3,168/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,208/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,308 · Scale 2, in force from 26 Feb 2026)