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$28,510
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,396
−HK$901/mo
Today · 4.125%
HK$30,297
baseline
▲ 0.50% · 4.625%
HK$32,141
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,594/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,567
−HK$863/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,192
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,211
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,276
−HK$1,081/mo
Today · 4.125%
HK$36,357
baseline
▲ 0.50% · 4.625%
HK$38,569
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,714/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,060
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,081
−HK$1,035/mo
Today · 4.125%
HK$40,116
baseline
▲ 0.50% · 4.625%
HK$42,231
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,232/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,913
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,155
−HK$1,261/mo
Today · 4.125%
HK$42,416
baseline
▲ 0.50% · 4.625%
HK$44,997
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,832/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,403
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,594
−HK$1,208/mo
Today · 4.125%
HK$46,802
baseline
▲ 0.50% · 4.625%
HK$49,269
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,604/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,317
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,913
−HK$1,622/mo
Today · 4.125%
HK$54,535
baseline
▲ 0.50% · 4.625%
HK$57,854
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,070/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,090
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,621
−HK$1,553/mo
Today · 4.125%
HK$60,174
baseline
▲ 0.50% · 4.625%
HK$63,346
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,348/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,855 · Scale 2, in force from 26 Feb 2026)