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$28,524
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$901/mo
Today · 4.125%
HK$30,312
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,845/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,624/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,732
−HK$1,715/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$864/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,228
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,293
−HK$1,082/mo
Today · 4.125%
HK$36,375
baseline
▲ 0.50% · 4.625%
HK$38,588
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,750/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,100
−HK$1,036/mo
Today · 4.125%
HK$40,136
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,272/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,933
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,175
−HK$1,262/mo
Today · 4.125%
HK$42,437
baseline
▲ 0.50% · 4.625%
HK$45,019
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,874/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,425
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,617
−HK$1,208/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,293
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,342
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,939
−HK$1,623/mo
Today · 4.125%
HK$54,562
baseline
▲ 0.50% · 4.625%
HK$57,882
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,124/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,118
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,650
−HK$1,554/mo
Today · 4.125%
HK$60,204
baseline
▲ 0.50% · 4.625%
HK$63,377
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,408/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,086 · Scale 2, in force from 26 Feb 2026)