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$28,526
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,414
−HK$901/mo
Today · 4.125%
HK$30,315
baseline
▲ 0.50% · 4.625%
HK$32,160
+HK$1,845/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,630/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,735
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,586
−HK$864/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,213
+HK$1,763/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,231
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,296
−HK$1,082/mo
Today · 4.125%
HK$36,378
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$2,214/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,756/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,082
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,103
−HK$1,037/mo
Today · 4.125%
HK$40,140
baseline
▲ 0.50% · 4.625%
HK$42,255
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,280/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,937
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,179
−HK$1,262/mo
Today · 4.125%
HK$42,441
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,583/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,882/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,429
−HK$2,401/mo
▼ 0.25% · 3.875%
HK$45,621
−HK$1,209/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,298
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,347
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,944
−HK$1,623/mo
Today · 4.125%
HK$54,567
baseline
▲ 0.50% · 4.625%
HK$57,887
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,134/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,123
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,655
−HK$1,554/mo
Today · 4.125%
HK$60,209
baseline
▲ 0.50% · 4.625%
HK$63,383
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,418/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,129 · Scale 2, in force from 26 Feb 2026)