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$29,665
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,588
−HK$937/mo
Today · 4.125%
HK$31,525
baseline
▲ 0.50% · 4.625%
HK$33,443
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,050/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,002
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,887
−HK$898/mo
Today · 4.125%
HK$34,785
baseline
▲ 0.50% · 4.625%
HK$36,619
+HK$1,834/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,570/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,598
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,705
−HK$1,125/mo
Today · 4.125%
HK$37,830
baseline
▲ 0.50% · 4.625%
HK$40,132
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$75,660/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,602
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,664
−HK$1,078/mo
Today · 4.125%
HK$41,742
baseline
▲ 0.50% · 4.625%
HK$43,942
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$83,484/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,531
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,823
−HK$1,312/mo
Today · 4.125%
HK$44,135
baseline
▲ 0.50% · 4.625%
HK$46,821
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,270/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,203
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,442
−HK$1,257/mo
Today · 4.125%
HK$48,699
baseline
▲ 0.50% · 4.625%
HK$51,266
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,398/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,397
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,058
−HK$1,687/mo
Today · 4.125%
HK$56,745
baseline
▲ 0.50% · 4.625%
HK$60,198
+HK$3,453/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,490/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,404
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,997
−HK$1,616/mo
Today · 4.125%
HK$62,613
baseline
▲ 0.50% · 4.625%
HK$65,913
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,226/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,856 · Scale 2, in force from 26 Feb 2026)