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$28,500
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,387
−HK$901/mo
Today · 4.125%
HK$30,288
baseline
▲ 0.50% · 4.625%
HK$32,130
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,576/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,706
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$862/mo
Today · 4.125%
HK$33,419
baseline
▲ 0.50% · 4.625%
HK$35,181
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,838/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,200
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$1,081/mo
Today · 4.125%
HK$36,345
baseline
▲ 0.50% · 4.625%
HK$38,557
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,690/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,035/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,217
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,900
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,142
−HK$1,261/mo
Today · 4.125%
HK$42,403
baseline
▲ 0.50% · 4.625%
HK$44,983
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,806/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,389
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,579
−HK$1,208/mo
Today · 4.125%
HK$46,787
baseline
▲ 0.50% · 4.625%
HK$49,253
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,574/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,301
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,896
−HK$1,622/mo
Today · 4.125%
HK$54,518
baseline
▲ 0.50% · 4.625%
HK$57,835
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,036/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,071
−HK$3,084/mo
▼ 0.25% · 3.875%
HK$58,602
−HK$1,553/mo
Today · 4.125%
HK$60,155
baseline
▲ 0.50% · 4.625%
HK$63,326
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,310/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,703 · Scale 2, in force from 26 Feb 2026)