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$29,634
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,556
−HK$936/mo
Today · 4.125%
HK$31,492
baseline
▲ 0.50% · 4.625%
HK$33,409
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,984/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,968
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,852
−HK$897/mo
Today · 4.125%
HK$34,749
baseline
▲ 0.50% · 4.625%
HK$36,580
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,498/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,561
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,667
−HK$1,124/mo
Today · 4.125%
HK$37,791
baseline
▲ 0.50% · 4.625%
HK$40,090
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,582/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,561
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,622
−HK$1,077/mo
Today · 4.125%
HK$41,699
baseline
▲ 0.50% · 4.625%
HK$43,897
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,398/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,488
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,778
−HK$1,311/mo
Today · 4.125%
HK$44,089
baseline
▲ 0.50% · 4.625%
HK$46,772
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,178/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,155
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,393
−HK$1,255/mo
Today · 4.125%
HK$48,648
baseline
▲ 0.50% · 4.625%
HK$51,213
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,296/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,341
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,001
−HK$1,685/mo
Today · 4.125%
HK$56,686
baseline
▲ 0.50% · 4.625%
HK$60,136
+HK$3,450/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,372/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,342
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,933
−HK$1,615/mo
Today · 4.125%
HK$62,548
baseline
▲ 0.50% · 4.625%
HK$65,845
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,096/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,349 · Scale 2, in force from 26 Feb 2026)