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$28,502
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,389
−HK$901/mo
Today · 4.125%
HK$30,290
baseline
▲ 0.50% · 4.625%
HK$32,133
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,580/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,708
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,559
−HK$863/mo
Today · 4.125%
HK$33,422
baseline
▲ 0.50% · 4.625%
HK$35,183
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,844/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,203
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$35,267
−HK$1,080/mo
Today · 4.125%
HK$36,347
baseline
▲ 0.50% · 4.625%
HK$38,559
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,694/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,050
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,071
−HK$1,035/mo
Today · 4.125%
HK$40,106
baseline
▲ 0.50% · 4.625%
HK$42,220
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,212/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,903
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,144
−HK$1,261/mo
Today · 4.125%
HK$42,405
baseline
▲ 0.50% · 4.625%
HK$44,986
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,810/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,392
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,582
−HK$1,208/mo
Today · 4.125%
HK$46,790
baseline
▲ 0.50% · 4.625%
HK$49,257
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,580/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,304
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,900
−HK$1,621/mo
Today · 4.125%
HK$54,521
baseline
▲ 0.50% · 4.625%
HK$57,839
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,042/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,075
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,606
−HK$1,553/mo
Today · 4.125%
HK$60,159
baseline
▲ 0.50% · 4.625%
HK$63,330
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,318/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,734 · Scale 2, in force from 26 Feb 2026)