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$28,482
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$29,368
−HK$900/mo
Today · 4.125%
HK$30,268
baseline
▲ 0.50% · 4.625%
HK$32,110
+HK$1,842/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,536/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,686
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,536
−HK$862/mo
Today · 4.125%
HK$33,398
baseline
▲ 0.50% · 4.625%
HK$35,158
+HK$1,760/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,796/mo (50% DSR)
Upfront cash ≈ HK$6.71M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,179
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$35,242
−HK$1,080/mo
Today · 4.125%
HK$36,322
baseline
▲ 0.50% · 4.625%
HK$38,532
+HK$2,210/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$72,644/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,023
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,043
−HK$1,035/mo
Today · 4.125%
HK$40,078
baseline
▲ 0.50% · 4.625%
HK$42,190
+HK$2,112/mo
Deposit HK$5.00M · loan HK$7.49M · min. income ≈ HK$80,156/mo (50% DSR)
Upfront cash ≈ HK$5.46M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,875
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$41,115
−HK$1,260/mo
Today · 4.125%
HK$42,375
baseline
▲ 0.50% · 4.625%
HK$44,954
+HK$2,579/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$84,750/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,360
−HK$2,397/mo
▼ 0.25% · 3.875%
HK$45,550
−HK$1,207/mo
Today · 4.125%
HK$46,757
baseline
▲ 0.50% · 4.625%
HK$49,222
+HK$2,465/mo
Deposit HK$3.75M · loan HK$8.74M · min. income ≈ HK$93,514/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,268
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$52,862
−HK$1,621/mo
Today · 4.125%
HK$54,483
baseline
▲ 0.50% · 4.625%
HK$57,798
+HK$3,315/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$108,966/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,035
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$58,565
−HK$1,551/mo
Today · 4.125%
HK$60,116
baseline
▲ 0.50% · 4.625%
HK$63,285
+HK$3,169/mo
Deposit HK$1.25M · loan HK$11.24M · min. income ≈ HK$120,232/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,403 · Scale 2, in force from 26 Feb 2026)