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$29,640
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,562
−HK$937/mo
Today · 4.125%
HK$31,499
baseline
▲ 0.50% · 4.625%
HK$33,415
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,998/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,974
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,859
−HK$897/mo
Today · 4.125%
HK$34,756
baseline
▲ 0.50% · 4.625%
HK$36,588
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,512/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,568
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,675
−HK$1,124/mo
Today · 4.125%
HK$37,799
baseline
▲ 0.50% · 4.625%
HK$40,099
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,598/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,569
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,630
−HK$1,077/mo
Today · 4.125%
HK$41,707
baseline
▲ 0.50% · 4.625%
HK$43,905
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,414/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,496
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,787
−HK$1,311/mo
Today · 4.125%
HK$44,098
baseline
▲ 0.50% · 4.625%
HK$46,782
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,196/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,164
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,402
−HK$1,256/mo
Today · 4.125%
HK$48,658
baseline
▲ 0.50% · 4.625%
HK$51,223
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,316/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,352
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,012
−HK$1,686/mo
Today · 4.125%
HK$56,698
baseline
▲ 0.50% · 4.625%
HK$60,148
+HK$3,450/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,396/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,354
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,946
−HK$1,615/mo
Today · 4.125%
HK$62,561
baseline
▲ 0.50% · 4.625%
HK$65,858
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,122/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,448 · Scale 2, in force from 26 Feb 2026)