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$28,518
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,405
−HK$901/mo
Today · 4.125%
HK$30,306
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,845/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,612/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,726
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$863/mo
Today · 4.125%
HK$33,440
baseline
▲ 0.50% · 4.625%
HK$35,203
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,880/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,222
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,286
−HK$1,082/mo
Today · 4.125%
HK$36,368
baseline
▲ 0.50% · 4.625%
HK$38,581
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,736/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,071
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,092
−HK$1,036/mo
Today · 4.125%
HK$40,128
baseline
▲ 0.50% · 4.625%
HK$42,243
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,256/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,925
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,167
−HK$1,262/mo
Today · 4.125%
HK$42,429
baseline
▲ 0.50% · 4.625%
HK$45,011
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,858/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,417
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,608
−HK$1,208/mo
Today · 4.125%
HK$46,816
baseline
▲ 0.50% · 4.625%
HK$49,284
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,632/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,333
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,929
−HK$1,623/mo
Today · 4.125%
HK$54,552
baseline
▲ 0.50% · 4.625%
HK$57,871
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,104/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,107
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,639
−HK$1,553/mo
Today · 4.125%
HK$60,192
baseline
▲ 0.50% · 4.625%
HK$63,365
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,384/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,996 · Scale 2, in force from 26 Feb 2026)