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$28,514
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$29,401
−HK$901/mo
Today · 4.125%
HK$30,302
baseline
▲ 0.50% · 4.625%
HK$32,146
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,604/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,722
−HK$1,713/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$863/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,198
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,217
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$35,281
−HK$1,082/mo
Today · 4.125%
HK$36,363
baseline
▲ 0.50% · 4.625%
HK$38,575
+HK$2,212/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,726/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,066
−HK$2,056/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,035/mo
Today · 4.125%
HK$40,122
baseline
▲ 0.50% · 4.625%
HK$42,237
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,244/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,920
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$41,161
−HK$1,262/mo
Today · 4.125%
HK$42,423
baseline
▲ 0.50% · 4.625%
HK$45,004
+HK$2,581/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,846/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,410
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,209/mo
Today · 4.125%
HK$46,810
baseline
▲ 0.50% · 4.625%
HK$49,277
+HK$2,467/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,620/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,325
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,922
−HK$1,622/mo
Today · 4.125%
HK$54,544
baseline
▲ 0.50% · 4.625%
HK$57,863
+HK$3,319/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,088/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,099
−HK$3,085/mo
▼ 0.25% · 3.875%
HK$58,630
−HK$1,554/mo
Today · 4.125%
HK$60,184
baseline
▲ 0.50% · 4.625%
HK$63,356
+HK$3,172/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,368/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,929 · Scale 2, in force from 26 Feb 2026)