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$28,484
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,370
−HK$901/mo
Today · 4.125%
HK$30,271
baseline
▲ 0.50% · 4.625%
HK$32,113
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,542/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,689
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,539
−HK$862/mo
Today · 4.125%
HK$33,401
baseline
▲ 0.50% · 4.625%
HK$35,161
+HK$1,760/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,802/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,181
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$1,080/mo
Today · 4.125%
HK$36,325
baseline
▲ 0.50% · 4.625%
HK$38,535
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,650/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,026
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,046
−HK$1,035/mo
Today · 4.125%
HK$40,081
baseline
▲ 0.50% · 4.625%
HK$42,194
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,162/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,878
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,119
−HK$1,260/mo
Today · 4.125%
HK$42,379
baseline
▲ 0.50% · 4.625%
HK$44,958
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,758/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,364
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,554
−HK$1,207/mo
Today · 4.125%
HK$46,761
baseline
▲ 0.50% · 4.625%
HK$49,226
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,522/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,272
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,867
−HK$1,620/mo
Today · 4.125%
HK$54,487
baseline
▲ 0.50% · 4.625%
HK$57,803
+HK$3,316/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,974/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,040
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,569
−HK$1,552/mo
Today · 4.125%
HK$60,121
baseline
▲ 0.50% · 4.625%
HK$63,290
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,242/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,442 · Scale 2, in force from 26 Feb 2026)