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$28,515
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$901/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$32,147
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,722
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,573
−HK$863/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,199
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,218
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,282
−HK$1,081/mo
Today · 4.125%
HK$36,363
baseline
▲ 0.50% · 4.625%
HK$38,576
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,726/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,067
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,088
−HK$1,035/mo
Today · 4.125%
HK$40,123
baseline
▲ 0.50% · 4.625%
HK$42,238
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,246/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,921
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,162
−HK$1,262/mo
Today · 4.125%
HK$42,424
baseline
▲ 0.50% · 4.625%
HK$45,005
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,848/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,411
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,602
−HK$1,209/mo
Today · 4.125%
HK$46,811
baseline
▲ 0.50% · 4.625%
HK$49,278
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,622/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,326
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,923
−HK$1,622/mo
Today · 4.125%
HK$54,545
baseline
▲ 0.50% · 4.625%
HK$57,864
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,090/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,100
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,632
−HK$1,553/mo
Today · 4.125%
HK$60,185
baseline
▲ 0.50% · 4.625%
HK$63,357
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,370/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,939 · Scale 2, in force from 26 Feb 2026)