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$32,126
+HK$1,842/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$468,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,702
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$862/mo
Today · 4.125%
HK$33,415
baseline
▲ 0.50% · 4.625%
HK$35,176
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,830/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,196
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,260
−HK$1,080/mo
Today · 4.125%
HK$36,340
baseline
▲ 0.50% · 4.625%
HK$38,552
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,680/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,043
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,035/mo
Today · 4.125%
HK$40,098
baseline
▲ 0.50% · 4.625%
HK$42,212
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,196/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,136
−HK$1,261/mo
Today · 4.125%
HK$42,397
baseline
▲ 0.50% · 4.625%
HK$44,977
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,794/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,383
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,574
−HK$1,207/mo
Today · 4.125%
HK$46,781
baseline
▲ 0.50% · 4.625%
HK$49,247
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,562/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,294
−HK$3,217/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$468,644 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,064
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,552/mo
Today · 4.125%
HK$60,147
baseline
▲ 0.50% · 4.625%
HK$63,318
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,294/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,644 · Scale 2, in force from 26 Feb 2026)