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$29,654
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,576
−HK$937/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,431
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,989
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$898/mo
Today · 4.125%
HK$34,772
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,544/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,584
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,691
−HK$1,125/mo
Today · 4.125%
HK$37,816
baseline
▲ 0.50% · 4.625%
HK$40,117
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,632/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,587
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,649
−HK$1,077/mo
Today · 4.125%
HK$41,726
baseline
▲ 0.50% · 4.625%
HK$43,925
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,452/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,515
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,312/mo
Today · 4.125%
HK$44,118
baseline
▲ 0.50% · 4.625%
HK$46,803
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,236/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,185
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,424
−HK$1,256/mo
Today · 4.125%
HK$48,680
baseline
▲ 0.50% · 4.625%
HK$51,246
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,360/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,376
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,037
−HK$1,687/mo
Today · 4.125%
HK$56,724
baseline
▲ 0.50% · 4.625%
HK$60,175
+HK$3,451/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,448/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,381
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,973
−HK$1,616/mo
Today · 4.125%
HK$62,589
baseline
▲ 0.50% · 4.625%
HK$65,888
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,178/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,668 · Scale 2, in force from 26 Feb 2026)