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$29,662
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$937/mo
Today · 4.125%
HK$31,522
baseline
▲ 0.50% · 4.625%
HK$33,440
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,044/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,999
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,884
−HK$898/mo
Today · 4.125%
HK$34,782
baseline
▲ 0.50% · 4.625%
HK$36,615
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,564/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,595
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,702
−HK$1,125/mo
Today · 4.125%
HK$37,827
baseline
▲ 0.50% · 4.625%
HK$40,129
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,654/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,599
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,661
−HK$1,077/mo
Today · 4.125%
HK$41,738
baseline
▲ 0.50% · 4.625%
HK$43,938
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,527
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,819
−HK$1,312/mo
Today · 4.125%
HK$44,131
baseline
▲ 0.50% · 4.625%
HK$46,817
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,262/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,199
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,438
−HK$1,257/mo
Today · 4.125%
HK$48,695
baseline
▲ 0.50% · 4.625%
HK$51,261
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,390/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,392
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,053
−HK$1,687/mo
Today · 4.125%
HK$56,740
baseline
▲ 0.50% · 4.625%
HK$60,193
+HK$3,453/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,480/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,398
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,991
−HK$1,616/mo
Today · 4.125%
HK$62,607
baseline
▲ 0.50% · 4.625%
HK$65,907
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,214/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,812 · Scale 2, in force from 26 Feb 2026)