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$28,495
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$29,382
−HK$900/mo
Today · 4.125%
HK$30,282
baseline
▲ 0.50% · 4.625%
HK$32,125
+HK$1,843/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,564/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,701
−HK$1,712/mo
▼ 0.25% · 3.875%
HK$32,551
−HK$862/mo
Today · 4.125%
HK$33,413
baseline
▲ 0.50% · 4.625%
HK$35,175
+HK$1,762/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,826/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,194
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$35,258
−HK$1,081/mo
Today · 4.125%
HK$36,339
baseline
▲ 0.50% · 4.625%
HK$38,550
+HK$2,211/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,678/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,041
−HK$2,055/mo
▼ 0.25% · 3.875%
HK$39,061
−HK$1,035/mo
Today · 4.125%
HK$40,096
baseline
▲ 0.50% · 4.625%
HK$42,210
+HK$2,114/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,192/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,893
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$41,134
−HK$1,261/mo
Today · 4.125%
HK$42,395
baseline
▲ 0.50% · 4.625%
HK$44,975
+HK$2,580/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$84,790/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,381
−HK$2,398/mo
▼ 0.25% · 3.875%
HK$45,571
−HK$1,208/mo
Today · 4.125%
HK$46,779
baseline
▲ 0.50% · 4.625%
HK$49,245
+HK$2,466/mo
Deposit HK$3.75M · loan HK$8.75M · min. income ≈ HK$93,558/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,292
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$52,887
−HK$1,621/mo
Today · 4.125%
HK$54,508
baseline
▲ 0.50% · 4.625%
HK$57,825
+HK$3,317/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$109,016/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,061
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$58,592
−HK$1,552/mo
Today · 4.125%
HK$60,144
baseline
▲ 0.50% · 4.625%
HK$63,314
+HK$3,170/mo
Deposit HK$1.25M · loan HK$11.25M · min. income ≈ HK$120,288/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$468,621 · Scale 2, in force from 26 Feb 2026)