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$28,510
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,397
−HK$901/mo
Today · 4.125%
HK$30,298
baseline
▲ 0.50% · 4.625%
HK$32,142
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,596/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,717
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$863/mo
Today · 4.125%
HK$33,431
baseline
▲ 0.50% · 4.625%
HK$35,193
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,862/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,212
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$1,081/mo
Today · 4.125%
HK$36,358
baseline
▲ 0.50% · 4.625%
HK$38,570
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,716/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,082
−HK$1,035/mo
Today · 4.125%
HK$40,117
baseline
▲ 0.50% · 4.625%
HK$42,232
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,234/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,914
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,156
−HK$1,261/mo
Today · 4.125%
HK$42,417
baseline
▲ 0.50% · 4.625%
HK$44,998
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,834/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,404
−HK$2,399/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,208/mo
Today · 4.125%
HK$46,803
baseline
▲ 0.50% · 4.625%
HK$49,270
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,606/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,319
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$52,915
−HK$1,622/mo
Today · 4.125%
HK$54,537
baseline
▲ 0.50% · 4.625%
HK$57,855
+HK$3,318/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,074/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,091
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,623
−HK$1,553/mo
Today · 4.125%
HK$60,176
baseline
▲ 0.50% · 4.625%
HK$63,348
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,352/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,867 · Scale 2, in force from 26 Feb 2026)