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$29,638
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,560
−HK$937/mo
Today · 4.125%
HK$31,497
baseline
▲ 0.50% · 4.625%
HK$33,414
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,994/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,972
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,857
−HK$897/mo
Today · 4.125%
HK$34,754
baseline
▲ 0.50% · 4.625%
HK$36,586
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,508/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,566
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,672
−HK$1,124/mo
Today · 4.125%
HK$37,796
baseline
▲ 0.50% · 4.625%
HK$40,096
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,592/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,567
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,628
−HK$1,077/mo
Today · 4.125%
HK$41,705
baseline
▲ 0.50% · 4.625%
HK$43,903
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,410/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,494
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,785
−HK$1,311/mo
Today · 4.125%
HK$44,096
baseline
▲ 0.50% · 4.625%
HK$46,779
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,192/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,161
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,400
−HK$1,255/mo
Today · 4.125%
HK$48,655
baseline
▲ 0.50% · 4.625%
HK$51,220
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,310/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,349
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,009
−HK$1,686/mo
Today · 4.125%
HK$56,695
baseline
▲ 0.50% · 4.625%
HK$60,144
+HK$3,449/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,390/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,350
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,942
−HK$1,615/mo
Today · 4.125%
HK$62,557
baseline
▲ 0.50% · 4.625%
HK$65,854
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,114/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,420 · Scale 2, in force from 26 Feb 2026)