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$28,496
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$900/mo
Today · 4.125%
HK$30,283
baseline
▲ 0.50% · 4.625%
HK$32,126
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,566/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,702
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,552
−HK$862/mo
Today · 4.125%
HK$33,414
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,828/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,195
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$1,081/mo
Today · 4.125%
HK$36,340
baseline
▲ 0.50% · 4.625%
HK$38,551
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,680/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,042
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,062
−HK$1,035/mo
Today · 4.125%
HK$40,097
baseline
▲ 0.50% · 4.625%
HK$42,211
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,194/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,136
−HK$1,260/mo
Today · 4.125%
HK$42,396
baseline
▲ 0.50% · 4.625%
HK$44,976
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,792/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,382
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,573
−HK$1,207/mo
Today · 4.125%
HK$46,780
baseline
▲ 0.50% · 4.625%
HK$49,246
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,560/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,293
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,889
−HK$1,621/mo
Today · 4.125%
HK$54,510
baseline
▲ 0.50% · 4.625%
HK$57,826
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,020/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,063
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,593
−HK$1,553/mo
Today · 4.125%
HK$60,146
baseline
▲ 0.50% · 4.625%
HK$63,316
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,292/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,634 · Scale 2, in force from 26 Feb 2026)