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$28,481
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,367
−HK$901/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$32,109
+HK$1,841/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,685
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,535
−HK$862/mo
Today · 4.125%
HK$33,397
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,794/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,178
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,241
−HK$1,080/mo
Today · 4.125%
HK$36,321
baseline
▲ 0.50% · 4.625%
HK$38,531
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,642/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,022
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,042
−HK$1,035/mo
Today · 4.125%
HK$40,077
baseline
▲ 0.50% · 4.625%
HK$42,189
+HK$2,112/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,154/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,114
−HK$1,261/mo
Today · 4.125%
HK$42,375
baseline
▲ 0.50% · 4.625%
HK$44,953
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,750/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,359
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,549
−HK$1,207/mo
Today · 4.125%
HK$46,756
baseline
▲ 0.50% · 4.625%
HK$49,221
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,512/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,267
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,861
−HK$1,621/mo
Today · 4.125%
HK$54,482
baseline
▲ 0.50% · 4.625%
HK$57,797
+HK$3,315/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,964/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,034
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,563
−HK$1,552/mo
Today · 4.125%
HK$60,115
baseline
▲ 0.50% · 4.625%
HK$63,284
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,230/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,393 · Scale 2, in force from 26 Feb 2026)