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$28,512
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,399
−HK$901/mo
Today · 4.125%
HK$30,300
baseline
▲ 0.50% · 4.625%
HK$32,144
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,600/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,720
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,570
−HK$863/mo
Today · 4.125%
HK$33,433
baseline
▲ 0.50% · 4.625%
HK$35,196
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,866/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$1,081/mo
Today · 4.125%
HK$36,360
baseline
▲ 0.50% · 4.625%
HK$38,573
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,720/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,064
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,085
−HK$1,035/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,235
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,917
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,159
−HK$1,262/mo
Today · 4.125%
HK$42,421
baseline
▲ 0.50% · 4.625%
HK$45,002
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,842/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,408
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,599
−HK$1,208/mo
Today · 4.125%
HK$46,807
baseline
▲ 0.50% · 4.625%
HK$49,274
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,614/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,322
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,919
−HK$1,622/mo
Today · 4.125%
HK$54,541
baseline
▲ 0.50% · 4.625%
HK$57,859
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,082/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,096
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,627
−HK$1,553/mo
Today · 4.125%
HK$60,180
baseline
▲ 0.50% · 4.625%
HK$63,352
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,360/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,902 · Scale 2, in force from 26 Feb 2026)