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$29,649
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,571
−HK$937/mo
Today · 4.125%
HK$31,508
baseline
▲ 0.50% · 4.625%
HK$33,426
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,016/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,984
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,869
−HK$897/mo
Today · 4.125%
HK$34,766
baseline
▲ 0.50% · 4.625%
HK$36,599
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,532/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,579
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,686
−HK$1,124/mo
Today · 4.125%
HK$37,810
baseline
▲ 0.50% · 4.625%
HK$40,111
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,620/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,581
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,643
−HK$1,077/mo
Today · 4.125%
HK$41,720
baseline
▲ 0.50% · 4.625%
HK$43,919
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,440/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,509
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,800
−HK$1,312/mo
Today · 4.125%
HK$44,112
baseline
▲ 0.50% · 4.625%
HK$46,796
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,224/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,178
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,416
−HK$1,257/mo
Today · 4.125%
HK$48,673
baseline
▲ 0.50% · 4.625%
HK$51,238
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,346/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,368
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,028
−HK$1,687/mo
Today · 4.125%
HK$56,715
baseline
▲ 0.50% · 4.625%
HK$60,166
+HK$3,451/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,430/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,372
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,964
−HK$1,615/mo
Today · 4.125%
HK$62,579
baseline
▲ 0.50% · 4.625%
HK$65,878
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,158/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,595 · Scale 2, in force from 26 Feb 2026)