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$28,499
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,385
−HK$901/mo
Today · 4.125%
HK$30,286
baseline
▲ 0.50% · 4.625%
HK$32,129
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,572/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,705
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,555
−HK$863/mo
Today · 4.125%
HK$33,418
baseline
▲ 0.50% · 4.625%
HK$35,179
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,836/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,199
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,262
−HK$1,081/mo
Today · 4.125%
HK$36,343
baseline
▲ 0.50% · 4.625%
HK$38,555
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,686/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,046
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,035/mo
Today · 4.125%
HK$40,101
baseline
▲ 0.50% · 4.625%
HK$42,215
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,202/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,140
−HK$1,260/mo
Today · 4.125%
HK$42,400
baseline
▲ 0.50% · 4.625%
HK$44,980
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,800/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,387
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,577
−HK$1,208/mo
Today · 4.125%
HK$46,785
baseline
▲ 0.50% · 4.625%
HK$49,251
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,570/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,298
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,894
−HK$1,621/mo
Today · 4.125%
HK$54,515
baseline
▲ 0.50% · 4.625%
HK$57,832
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,030/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,068
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,553/mo
Today · 4.125%
HK$60,152
baseline
▲ 0.50% · 4.625%
HK$63,322
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,304/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,679 · Scale 2, in force from 26 Feb 2026)