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$28,523
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$901/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,156
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$863/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,209
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,228
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,293
−HK$1,081/mo
Today · 4.125%
HK$36,374
baseline
▲ 0.50% · 4.625%
HK$38,588
+HK$2,214/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,748/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,078
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,099
−HK$1,036/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,251
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,933
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,262/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$45,019
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,616
−HK$1,209/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,342
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,939
−HK$1,622/mo
Today · 4.125%
HK$54,561
baseline
▲ 0.50% · 4.625%
HK$57,881
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,122/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,117
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,649
−HK$1,554/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,377
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,406/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,080 · Scale 2, in force from 26 Feb 2026)