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$29,632
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,554
−HK$937/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,407
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,966
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,850
−HK$897/mo
Today · 4.125%
HK$34,747
baseline
▲ 0.50% · 4.625%
HK$36,578
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,494/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,559
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,665
−HK$1,124/mo
Today · 4.125%
HK$37,789
baseline
▲ 0.50% · 4.625%
HK$40,088
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,578/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,559
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,620
−HK$1,076/mo
Today · 4.125%
HK$41,696
baseline
▲ 0.50% · 4.625%
HK$43,894
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,392/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,485
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,776
−HK$1,311/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,770
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,152
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,390
−HK$1,256/mo
Today · 4.125%
HK$48,646
baseline
▲ 0.50% · 4.625%
HK$51,210
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,292/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,338
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,998
−HK$1,685/mo
Today · 4.125%
HK$56,683
baseline
▲ 0.50% · 4.625%
HK$60,132
+HK$3,449/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,366/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,339
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,930
−HK$1,614/mo
Today · 4.125%
HK$62,544
baseline
▲ 0.50% · 4.625%
HK$65,841
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,088/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,322 · Scale 2, in force from 26 Feb 2026)