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$1,861/mo
▼ 0.25% · 3.875%
HK$30,585
−HK$938/mo
Today · 4.125%
HK$31,523
baseline
▲ 0.50% · 4.625%
HK$33,441
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,046/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,816 · 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$487,816 · 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$7.81M · min. income ≈ HK$75,654/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,816 · 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$43,939
+HK$2,201/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$83,476/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,527
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,819
−HK$1,313/mo
Today · 4.125%
HK$44,132
baseline
▲ 0.50% · 4.625%
HK$46,817
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,264/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,816 · 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$51,262
+HK$2,567/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$487,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,392
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,053
−HK$1,688/mo
Today · 4.125%
HK$56,741
baseline
▲ 0.50% · 4.625%
HK$60,193
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,482/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,399
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,992
−HK$1,616/mo
Today · 4.125%
HK$62,608
baseline
▲ 0.50% · 4.625%
HK$65,908
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,216/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,816 · Scale 2, in force from 26 Feb 2026)