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$28,481
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,366
−HK$901/mo
Today · 4.125%
HK$30,267
baseline
▲ 0.50% · 4.625%
HK$32,108
+HK$1,841/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,534/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,378 · 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$6.25M · loan HK$6.25M · min. income ≈ HK$66,792/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,177
−HK$2,143/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$468,378 · 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$468,378 · 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$468,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,358
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,548
−HK$1,207/mo
Today · 4.125%
HK$46,755
baseline
▲ 0.50% · 4.625%
HK$49,219
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,510/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,265
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,860
−HK$1,620/mo
Today · 4.125%
HK$54,480
baseline
▲ 0.50% · 4.625%
HK$57,795
+HK$3,315/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,960/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,032
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,552/mo
Today · 4.125%
HK$60,113
baseline
▲ 0.50% · 4.625%
HK$63,282
+HK$3,169/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$468,378 · Scale 2, in force from 26 Feb 2026)