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$28,480
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,365
−HK$901/mo
Today · 4.125%
HK$30,266
baseline
▲ 0.50% · 4.625%
HK$32,107
+HK$1,841/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,532/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,683
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,533
−HK$862/mo
Today · 4.125%
HK$33,395
baseline
▲ 0.50% · 4.625%
HK$35,155
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,790/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,176
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,239
−HK$1,080/mo
Today · 4.125%
HK$36,319
baseline
▲ 0.50% · 4.625%
HK$38,529
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,638/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,020
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,040
−HK$1,034/mo
Today · 4.125%
HK$40,074
baseline
▲ 0.50% · 4.625%
HK$42,186
+HK$2,112/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,148/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,871
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$41,112
−HK$1,260/mo
Today · 4.125%
HK$42,372
baseline
▲ 0.50% · 4.625%
HK$44,950
+HK$2,578/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,744/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,357
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,546
−HK$1,207/mo
Today · 4.125%
HK$46,753
baseline
▲ 0.50% · 4.625%
HK$49,217
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,506/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,263
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,858
−HK$1,620/mo
Today · 4.125%
HK$54,478
baseline
▲ 0.50% · 4.625%
HK$57,793
+HK$3,315/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,956/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,030
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,559
−HK$1,552/mo
Today · 4.125%
HK$60,111
baseline
▲ 0.50% · 4.625%
HK$63,280
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,222/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,363 · Scale 2, in force from 26 Feb 2026)