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$28,519
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$901/mo
Today · 4.125%
HK$30,307
baseline
▲ 0.50% · 4.625%
HK$32,151
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,614/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$863/mo
Today · 4.125%
HK$33,441
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,882/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,223
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,287
−HK$1,082/mo
Today · 4.125%
HK$36,369
baseline
▲ 0.50% · 4.625%
HK$38,582
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,738/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,072
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,093
−HK$1,036/mo
Today · 4.125%
HK$40,129
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,258/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,926
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,168
−HK$1,262/mo
Today · 4.125%
HK$42,430
baseline
▲ 0.50% · 4.625%
HK$45,012
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,860/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,418
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,609
−HK$1,209/mo
Today · 4.125%
HK$46,818
baseline
▲ 0.50% · 4.625%
HK$49,285
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,636/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,334
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,931
−HK$1,622/mo
Today · 4.125%
HK$54,553
baseline
▲ 0.50% · 4.625%
HK$57,873
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,106/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,109
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,640
−HK$1,554/mo
Today · 4.125%
HK$60,194
baseline
▲ 0.50% · 4.625%
HK$63,367
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,388/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,009 · Scale 2, in force from 26 Feb 2026)