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$29,651
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,574
−HK$937/mo
Today · 4.125%
HK$31,511
baseline
▲ 0.50% · 4.625%
HK$33,428
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,022/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,987
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,872
−HK$897/mo
Today · 4.125%
HK$34,769
baseline
▲ 0.50% · 4.625%
HK$36,602
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,538/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,582
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,688
−HK$1,125/mo
Today · 4.125%
HK$37,813
baseline
▲ 0.50% · 4.625%
HK$40,114
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,626/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,584
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,646
−HK$1,077/mo
Today · 4.125%
HK$41,723
baseline
▲ 0.50% · 4.625%
HK$43,922
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,446/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,512
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,803
−HK$1,312/mo
Today · 4.125%
HK$44,115
baseline
▲ 0.50% · 4.625%
HK$46,799
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,230/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,182
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,420
−HK$1,257/mo
Today · 4.125%
HK$48,677
baseline
▲ 0.50% · 4.625%
HK$51,243
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,354/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,373
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,033
−HK$1,686/mo
Today · 4.125%
HK$56,719
baseline
▲ 0.50% · 4.625%
HK$60,171
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,438/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,376
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,969
−HK$1,615/mo
Today · 4.125%
HK$62,584
baseline
▲ 0.50% · 4.625%
HK$65,883
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,168/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,633 · Scale 2, in force from 26 Feb 2026)