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$28,511
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,398
−HK$901/mo
Today · 4.125%
HK$30,299
baseline
▲ 0.50% · 4.625%
HK$32,143
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,598/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,719
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,569
−HK$863/mo
Today · 4.125%
HK$33,432
baseline
▲ 0.50% · 4.625%
HK$35,195
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,864/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,214
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$1,081/mo
Today · 4.125%
HK$36,359
baseline
▲ 0.50% · 4.625%
HK$38,572
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,718/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,062
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,083
−HK$1,036/mo
Today · 4.125%
HK$40,119
baseline
▲ 0.50% · 4.625%
HK$42,233
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,238/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,916
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,158
−HK$1,261/mo
Today · 4.125%
HK$42,419
baseline
▲ 0.50% · 4.625%
HK$45,000
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,838/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,406
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,597
−HK$1,208/mo
Today · 4.125%
HK$46,805
baseline
▲ 0.50% · 4.625%
HK$49,272
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,610/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,320
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,917
−HK$1,622/mo
Today · 4.125%
HK$54,539
baseline
▲ 0.50% · 4.625%
HK$57,857
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,078/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,094
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,625
−HK$1,553/mo
Today · 4.125%
HK$60,178
baseline
▲ 0.50% · 4.625%
HK$63,350
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,356/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,885 · Scale 2, in force from 26 Feb 2026)