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$28,521
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$29,408
−HK$902/mo
Today · 4.125%
HK$30,310
baseline
▲ 0.50% · 4.625%
HK$32,154
+HK$1,844/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$60,620/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,730
−HK$1,714/mo
▼ 0.25% · 3.875%
HK$32,580
−HK$864/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,207
+HK$1,763/mo
Deposit HK$6.25M · loan HK$6.25M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$6.72M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,225
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$35,290
−HK$1,082/mo
Today · 4.125%
HK$36,372
baseline
▲ 0.50% · 4.625%
HK$38,585
+HK$2,213/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$72,744/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,075
−HK$2,058/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,036/mo
Today · 4.125%
HK$40,133
baseline
▲ 0.50% · 4.625%
HK$42,248
+HK$2,115/mo
Deposit HK$5.00M · loan HK$7.50M · min. income ≈ HK$80,266/mo (50% DSR)
Upfront cash ≈ HK$5.47M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,930
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$41,172
−HK$1,262/mo
Today · 4.125%
HK$42,434
baseline
▲ 0.50% · 4.625%
HK$45,016
+HK$2,582/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$84,868/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,421
−HK$2,400/mo
▼ 0.25% · 3.875%
HK$45,613
−HK$1,208/mo
Today · 4.125%
HK$46,821
baseline
▲ 0.50% · 4.625%
HK$49,289
+HK$2,468/mo
Deposit HK$3.75M · loan HK$8.76M · min. income ≈ HK$93,642/mo (50% DSR)
Upfront cash ≈ HK$4.22M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,338
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$52,935
−HK$1,622/mo
Today · 4.125%
HK$54,557
baseline
▲ 0.50% · 4.625%
HK$57,877
+HK$3,320/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$109,114/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,113
−HK$3,086/mo
▼ 0.25% · 3.875%
HK$58,645
−HK$1,554/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,372
+HK$3,173/mo
Deposit HK$1.25M · loan HK$11.26M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$1.72M (deposit + AVD stamp duty HK$469,046 · Scale 2, in force from 26 Feb 2026)