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$29,666
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$937/mo
Today · 4.125%
HK$31,526
baseline
▲ 0.50% · 4.625%
HK$33,445
+HK$1,919/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,052/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,003
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,888
−HK$898/mo
Today · 4.125%
HK$34,786
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$1,834/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,572/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,599
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,706
−HK$1,126/mo
Today · 4.125%
HK$37,832
baseline
▲ 0.50% · 4.625%
HK$40,133
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$75,664/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,604
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,666
−HK$1,077/mo
Today · 4.125%
HK$41,743
baseline
▲ 0.50% · 4.625%
HK$43,944
+HK$2,201/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$83,486/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,532
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,824
−HK$1,313/mo
Today · 4.125%
HK$44,137
baseline
▲ 0.50% · 4.625%
HK$46,822
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,274/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,204
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,443
−HK$1,258/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,268
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,399
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,060
−HK$1,687/mo
Today · 4.125%
HK$56,747
baseline
▲ 0.50% · 4.625%
HK$60,200
+HK$3,453/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,494/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,406
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,999
−HK$1,616/mo
Today · 4.125%
HK$62,615
baseline
▲ 0.50% · 4.625%
HK$65,916
+HK$3,301/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,230/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,872 · Scale 2, in force from 26 Feb 2026)