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$29,633
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,555
−HK$936/mo
Today · 4.125%
HK$31,491
baseline
▲ 0.50% · 4.625%
HK$33,408
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,982/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,967
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,851
−HK$897/mo
Today · 4.125%
HK$34,748
baseline
▲ 0.50% · 4.625%
HK$36,579
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,496/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,560
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,666
−HK$1,124/mo
Today · 4.125%
HK$37,790
baseline
▲ 0.50% · 4.625%
HK$40,089
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,580/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,560
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,621
−HK$1,076/mo
Today · 4.125%
HK$41,697
baseline
▲ 0.50% · 4.625%
HK$43,895
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,394/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,486
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,777
−HK$1,311/mo
Today · 4.125%
HK$44,088
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,176/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,153
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,391
−HK$1,256/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,340
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,999
−HK$1,685/mo
Today · 4.125%
HK$56,684
baseline
▲ 0.50% · 4.625%
HK$60,134
+HK$3,450/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,368/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,340
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,931
−HK$1,615/mo
Today · 4.125%
HK$62,546
baseline
▲ 0.50% · 4.625%
HK$65,843
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,092/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,332 · Scale 2, in force from 26 Feb 2026)