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$28,501
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,388
−HK$901/mo
Today · 4.125%
HK$30,289
baseline
▲ 0.50% · 4.625%
HK$32,132
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,578/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,708
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$863/mo
Today · 4.125%
HK$33,421
baseline
▲ 0.50% · 4.625%
HK$35,182
+HK$1,761/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,842/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,202
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,266
−HK$1,081/mo
Today · 4.125%
HK$36,347
baseline
▲ 0.50% · 4.625%
HK$38,558
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,694/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,049
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,070
−HK$1,035/mo
Today · 4.125%
HK$40,105
baseline
▲ 0.50% · 4.625%
HK$42,219
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,210/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,902
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,143
−HK$1,261/mo
Today · 4.125%
HK$42,404
baseline
▲ 0.50% · 4.625%
HK$44,984
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,808/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,391
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,581
−HK$1,208/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,255
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,303
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$52,898
−HK$1,622/mo
Today · 4.125%
HK$54,520
baseline
▲ 0.50% · 4.625%
HK$57,837
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,040/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,074
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,604
−HK$1,553/mo
Today · 4.125%
HK$60,157
baseline
▲ 0.50% · 4.625%
HK$63,328
+HK$3,171/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,314/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,722 · Scale 2, in force from 26 Feb 2026)