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$28,488
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,374
−HK$900/mo
Today · 4.125%
HK$30,274
baseline
▲ 0.50% · 4.625%
HK$32,117
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,548/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,693
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$862/mo
Today · 4.125%
HK$33,405
baseline
▲ 0.50% · 4.625%
HK$35,166
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,810/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,186
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,249
−HK$1,080/mo
Today · 4.125%
HK$36,329
baseline
▲ 0.50% · 4.625%
HK$38,540
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,658/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,031
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,051
−HK$1,035/mo
Today · 4.125%
HK$40,086
baseline
▲ 0.50% · 4.625%
HK$42,199
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,172/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,883
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,124
−HK$1,260/mo
Today · 4.125%
HK$42,384
baseline
▲ 0.50% · 4.625%
HK$44,963
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,768/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,370
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,560
−HK$1,207/mo
Today · 4.125%
HK$46,767
baseline
▲ 0.50% · 4.625%
HK$49,232
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,534/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,278
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,873
−HK$1,621/mo
Today · 4.125%
HK$54,494
baseline
▲ 0.50% · 4.625%
HK$57,810
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,988/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,047
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$58,577
−HK$1,552/mo
Today · 4.125%
HK$60,129
baseline
▲ 0.50% · 4.625%
HK$63,298
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,258/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,500 · Scale 2, in force from 26 Feb 2026)