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$28,493
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,380
−HK$900/mo
Today · 4.125%
HK$30,280
baseline
▲ 0.50% · 4.625%
HK$32,123
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,560/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,698
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$862/mo
Today · 4.125%
HK$33,411
baseline
▲ 0.50% · 4.625%
HK$35,172
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,822/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,192
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$1,081/mo
Today · 4.125%
HK$36,336
baseline
▲ 0.50% · 4.625%
HK$38,547
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,672/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,038
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,035/mo
Today · 4.125%
HK$40,093
baseline
▲ 0.50% · 4.625%
HK$42,207
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,186/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,891
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,131
−HK$1,261/mo
Today · 4.125%
HK$42,392
baseline
▲ 0.50% · 4.625%
HK$44,972
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,784/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,378
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,568
−HK$1,207/mo
Today · 4.125%
HK$46,775
baseline
▲ 0.50% · 4.625%
HK$49,241
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,550/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,288
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,883
−HK$1,621/mo
Today · 4.125%
HK$54,504
baseline
▲ 0.50% · 4.625%
HK$57,821
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,008/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,057
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,588
−HK$1,552/mo
Today · 4.125%
HK$60,140
baseline
▲ 0.50% · 4.625%
HK$63,310
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,280/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,587 · Scale 2, in force from 26 Feb 2026)