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$28,524
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,411
−HK$902/mo
Today · 4.125%
HK$30,313
baseline
▲ 0.50% · 4.625%
HK$32,157
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,626/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,733
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,584
−HK$863/mo
Today · 4.125%
HK$33,447
baseline
▲ 0.50% · 4.625%
HK$35,210
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,894/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,229
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,294
−HK$1,082/mo
Today · 4.125%
HK$36,376
baseline
▲ 0.50% · 4.625%
HK$38,589
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,752/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,079
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,101
−HK$1,036/mo
Today · 4.125%
HK$40,137
baseline
▲ 0.50% · 4.625%
HK$42,252
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,274/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,934
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,176
−HK$1,262/mo
Today · 4.125%
HK$42,438
baseline
▲ 0.50% · 4.625%
HK$45,020
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,876/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,426
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,618
−HK$1,208/mo
Today · 4.125%
HK$46,826
baseline
▲ 0.50% · 4.625%
HK$49,295
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,652/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,344
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,941
−HK$1,622/mo
Today · 4.125%
HK$54,563
baseline
▲ 0.50% · 4.625%
HK$57,883
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,126/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,119
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,651
−HK$1,554/mo
Today · 4.125%
HK$60,205
baseline
▲ 0.50% · 4.625%
HK$63,379
+HK$3,174/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,410/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,096 · Scale 2, in force from 26 Feb 2026)