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$29,622
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,543
−HK$937/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,915/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$897/mo
Today · 4.125%
HK$34,735
baseline
▲ 0.50% · 4.625%
HK$36,565
+HK$1,830/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,470/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,546
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,652
−HK$1,123/mo
Today · 4.125%
HK$37,775
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,550/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,545
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,606
−HK$1,075/mo
Today · 4.125%
HK$41,681
baseline
▲ 0.50% · 4.625%
HK$43,879
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,362/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,471
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,761
−HK$1,310/mo
Today · 4.125%
HK$44,071
baseline
▲ 0.50% · 4.625%
HK$46,753
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,142/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,136
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,373
−HK$1,255/mo
Today · 4.125%
HK$48,628
baseline
▲ 0.50% · 4.625%
HK$51,192
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,256/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,320
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$54,978
−HK$1,685/mo
Today · 4.125%
HK$56,663
baseline
▲ 0.50% · 4.625%
HK$60,111
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,326/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,317
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,614/mo
Today · 4.125%
HK$62,522
baseline
▲ 0.50% · 4.625%
HK$65,818
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,044/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,149 · Scale 2, in force from 26 Feb 2026)