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$1,789/mo
▼ 0.25% · 3.875%
HK$29,406
−HK$902/mo
Today · 4.125%
HK$30,308
baseline
▲ 0.50% · 4.625%
HK$32,152
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,616/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,727
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,578
−HK$864/mo
Today · 4.125%
HK$33,442
baseline
▲ 0.50% · 4.625%
HK$35,204
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,884/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,223
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$1,081/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$469,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,073
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,094
−HK$1,036/mo
Today · 4.125%
HK$40,130
baseline
▲ 0.50% · 4.625%
HK$42,245
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,260/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,927
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,169
−HK$1,262/mo
Today · 4.125%
HK$42,431
baseline
▲ 0.50% · 4.625%
HK$45,013
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,862/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,418
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,610
−HK$1,208/mo
Today · 4.125%
HK$46,818
baseline
▲ 0.50% · 4.625%
HK$49,286
+HK$2,468/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$469,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,335
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,931
−HK$1,623/mo
Today · 4.125%
HK$54,554
baseline
▲ 0.50% · 4.625%
HK$57,873
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,108/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,109
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,641
−HK$1,554/mo
Today · 4.125%
HK$60,195
baseline
▲ 0.50% · 4.625%
HK$63,368
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,390/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,014 · Scale 2, in force from 26 Feb 2026)