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$28,507
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,394
−HK$900/mo
Today · 4.125%
HK$30,294
baseline
▲ 0.50% · 4.625%
HK$32,138
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,588/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,714
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,564
−HK$863/mo
Today · 4.125%
HK$33,427
baseline
▲ 0.50% · 4.625%
HK$35,189
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,854/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,208
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,272
−HK$1,081/mo
Today · 4.125%
HK$36,353
baseline
▲ 0.50% · 4.625%
HK$38,565
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,706/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,056
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,077
−HK$1,035/mo
Today · 4.125%
HK$40,112
baseline
▲ 0.50% · 4.625%
HK$42,227
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,224/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,910
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,151
−HK$1,261/mo
Today · 4.125%
HK$42,412
baseline
▲ 0.50% · 4.625%
HK$44,993
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,824/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,399
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,208/mo
Today · 4.125%
HK$46,798
baseline
▲ 0.50% · 4.625%
HK$49,265
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,596/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,312
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,908
−HK$1,622/mo
Today · 4.125%
HK$54,530
baseline
▲ 0.50% · 4.625%
HK$57,848
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,060/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,084
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,615
−HK$1,554/mo
Today · 4.125%
HK$60,169
baseline
▲ 0.50% · 4.625%
HK$63,340
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,338/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,811 · Scale 2, in force from 26 Feb 2026)