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$29,646
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,568
−HK$937/mo
Today · 4.125%
HK$31,505
baseline
▲ 0.50% · 4.625%
HK$33,422
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,010/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,981
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,865
−HK$898/mo
Today · 4.125%
HK$34,763
baseline
▲ 0.50% · 4.625%
HK$36,595
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,526/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,575
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,682
−HK$1,124/mo
Today · 4.125%
HK$37,806
baseline
▲ 0.50% · 4.625%
HK$40,107
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,612/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,577
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,639
−HK$1,076/mo
Today · 4.125%
HK$41,715
baseline
▲ 0.50% · 4.625%
HK$43,914
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,430/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,504
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,312/mo
Today · 4.125%
HK$44,107
baseline
▲ 0.50% · 4.625%
HK$46,791
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,214/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,173
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,412
−HK$1,256/mo
Today · 4.125%
HK$48,668
baseline
▲ 0.50% · 4.625%
HK$51,233
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,336/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,363
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,023
−HK$1,686/mo
Today · 4.125%
HK$56,709
baseline
▲ 0.50% · 4.625%
HK$60,160
+HK$3,451/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,418/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,366
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,958
−HK$1,615/mo
Today · 4.125%
HK$62,573
baseline
▲ 0.50% · 4.625%
HK$65,871
+HK$3,298/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,146/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,545 · Scale 2, in force from 26 Feb 2026)