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$28,475
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$29,360
−HK$900/mo
Today · 4.125%
HK$30,260
baseline
▲ 0.50% · 4.625%
HK$32,102
+HK$1,842/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$60,520/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,678
−HK$1,711/mo
▼ 0.25% · 3.875%
HK$32,527
−HK$862/mo
Today · 4.125%
HK$33,389
baseline
▲ 0.50% · 4.625%
HK$35,149
+HK$1,760/mo
Deposit HK$6.24M · loan HK$6.24M · min. income ≈ HK$66,778/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,170
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$35,233
−HK$1,079/mo
Today · 4.125%
HK$36,312
baseline
▲ 0.50% · 4.625%
HK$38,522
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,624/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,013
−HK$2,054/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,034/mo
Today · 4.125%
HK$40,067
baseline
▲ 0.50% · 4.625%
HK$42,179
+HK$2,112/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,134/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,865
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,105
−HK$1,260/mo
Today · 4.125%
HK$42,365
baseline
▲ 0.50% · 4.625%
HK$44,942
+HK$2,577/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,730/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,349
−HK$2,396/mo
▼ 0.25% · 3.875%
HK$45,538
−HK$1,207/mo
Today · 4.125%
HK$46,745
baseline
▲ 0.50% · 4.625%
HK$49,209
+HK$2,464/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,490/mo (50% DSR)
Upfront cash ≈ HK$4.21M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,255
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$52,849
−HK$1,620/mo
Today · 4.125%
HK$54,469
baseline
▲ 0.50% · 4.625%
HK$57,783
+HK$3,314/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,938/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,020
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,549
−HK$1,552/mo
Today · 4.125%
HK$60,101
baseline
▲ 0.50% · 4.625%
HK$63,269
+HK$3,168/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,202/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,282 · Scale 2, in force from 26 Feb 2026)