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$28,478
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,364
−HK$900/mo
Today · 4.125%
HK$30,264
baseline
▲ 0.50% · 4.625%
HK$32,106
+HK$1,842/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,528/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,682
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,532
−HK$862/mo
Today · 4.125%
HK$33,394
baseline
▲ 0.50% · 4.625%
HK$35,154
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,788/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,174
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,237
−HK$1,080/mo
Today · 4.125%
HK$36,317
baseline
▲ 0.50% · 4.625%
HK$38,527
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,634/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,018
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,038
−HK$1,034/mo
Today · 4.125%
HK$40,072
baseline
▲ 0.50% · 4.625%
HK$42,185
+HK$2,113/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,144/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,870
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,110
−HK$1,260/mo
Today · 4.125%
HK$42,370
baseline
▲ 0.50% · 4.625%
HK$44,948
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,740/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,355
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,544
−HK$1,207/mo
Today · 4.125%
HK$46,751
baseline
▲ 0.50% · 4.625%
HK$49,215
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,502/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,261
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,856
−HK$1,620/mo
Today · 4.125%
HK$54,476
baseline
▲ 0.50% · 4.625%
HK$57,790
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,952/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,027
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,557
−HK$1,551/mo
Today · 4.125%
HK$60,108
baseline
▲ 0.50% · 4.625%
HK$63,277
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,216/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,343 · Scale 2, in force from 26 Feb 2026)