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$28,515
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,402
−HK$901/mo
Today · 4.125%
HK$30,303
baseline
▲ 0.50% · 4.625%
HK$32,147
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,606/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,723
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$863/mo
Today · 4.125%
HK$33,437
baseline
▲ 0.50% · 4.625%
HK$35,199
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,874/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,218
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,283
−HK$1,081/mo
Today · 4.125%
HK$36,364
baseline
▲ 0.50% · 4.625%
HK$38,577
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,728/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,067
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,088
−HK$1,036/mo
Today · 4.125%
HK$40,124
baseline
▲ 0.50% · 4.625%
HK$42,239
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,248/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,921
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,163
−HK$1,262/mo
Today · 4.125%
HK$42,425
baseline
▲ 0.50% · 4.625%
HK$45,006
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,850/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,412
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,603
−HK$1,208/mo
Today · 4.125%
HK$46,811
baseline
▲ 0.50% · 4.625%
HK$49,279
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,622/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,327
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,924
−HK$1,622/mo
Today · 4.125%
HK$54,546
baseline
▲ 0.50% · 4.625%
HK$57,865
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,092/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,101
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,633
−HK$1,553/mo
Today · 4.125%
HK$60,186
baseline
▲ 0.50% · 4.625%
HK$63,359
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,372/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,947 · Scale 2, in force from 26 Feb 2026)