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$28,497
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,383
−HK$901/mo
Today · 4.125%
HK$30,284
baseline
▲ 0.50% · 4.625%
HK$32,127
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,568/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,703
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$863/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,177
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,196
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,260
−HK$1,081/mo
Today · 4.125%
HK$36,341
baseline
▲ 0.50% · 4.625%
HK$38,552
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,682/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,043
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,064
−HK$1,035/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,212
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,896
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,137
−HK$1,261/mo
Today · 4.125%
HK$42,398
baseline
▲ 0.50% · 4.625%
HK$44,978
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,796/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,384
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,574
−HK$1,208/mo
Today · 4.125%
HK$46,782
baseline
▲ 0.50% · 4.625%
HK$49,248
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,564/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,295
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,890
−HK$1,621/mo
Today · 4.125%
HK$54,511
baseline
▲ 0.50% · 4.625%
HK$57,828
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,022/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,065
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,553/mo
Today · 4.125%
HK$60,148
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,296/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,650 · Scale 2, in force from 26 Feb 2026)