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$28,520
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,407
−HK$901/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$32,152
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,728
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,579
−HK$863/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,205
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,224
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$1,082/mo
Today · 4.125%
HK$36,370
baseline
▲ 0.50% · 4.625%
HK$38,583
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,740/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,073
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,095
−HK$1,035/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,246
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,928
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,170
−HK$1,261/mo
Today · 4.125%
HK$42,431
baseline
▲ 0.50% · 4.625%
HK$45,013
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,862/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,419
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,610
−HK$1,209/mo
Today · 4.125%
HK$46,819
baseline
▲ 0.50% · 4.625%
HK$49,287
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,638/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,335
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,932
−HK$1,623/mo
Today · 4.125%
HK$54,555
baseline
▲ 0.50% · 4.625%
HK$57,874
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,110/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,110
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,642
−HK$1,554/mo
Today · 4.125%
HK$60,196
baseline
▲ 0.50% · 4.625%
HK$63,369
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,392/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,022 · Scale 2, in force from 26 Feb 2026)