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$28,527
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,414
−HK$902/mo
Today · 4.125%
HK$30,316
baseline
▲ 0.50% · 4.625%
HK$32,160
+HK$1,844/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$60,632/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,736
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,587
−HK$863/mo
Today · 4.125%
HK$33,450
baseline
▲ 0.50% · 4.625%
HK$35,214
+HK$1,764/mo
Deposit HK$6.26M · loan HK$6.26M · min. income ≈ HK$66,900/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,232
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,297
−HK$1,082/mo
Today · 4.125%
HK$36,379
baseline
▲ 0.50% · 4.625%
HK$38,592
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$72,758/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,083
−HK$2,057/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,036/mo
Today · 4.125%
HK$40,140
baseline
▲ 0.50% · 4.625%
HK$42,256
+HK$2,116/mo
Deposit HK$5.00M · loan HK$7.51M · min. income ≈ HK$80,280/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,937
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$41,180
−HK$1,262/mo
Today · 4.125%
HK$42,442
baseline
▲ 0.50% · 4.625%
HK$45,024
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,884/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,430
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,622
−HK$1,208/mo
Today · 4.125%
HK$46,830
baseline
▲ 0.50% · 4.625%
HK$49,299
+HK$2,469/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,660/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,348
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$52,945
−HK$1,623/mo
Today · 4.125%
HK$54,568
baseline
▲ 0.50% · 4.625%
HK$57,888
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,136/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,124
−HK$3,087/mo
▼ 0.25% · 3.875%
HK$58,656
−HK$1,555/mo
Today · 4.125%
HK$60,211
baseline
▲ 0.50% · 4.625%
HK$63,384
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,422/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,138 · Scale 2, in force from 26 Feb 2026)