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$29,625
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,547
−HK$936/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$896/mo
Today · 4.125%
HK$34,738
baseline
▲ 0.50% · 4.625%
HK$36,569
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,476/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,550
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$1,123/mo
Today · 4.125%
HK$37,779
baseline
▲ 0.50% · 4.625%
HK$40,078
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,558/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,549
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,076/mo
Today · 4.125%
HK$41,686
baseline
▲ 0.50% · 4.625%
HK$43,883
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,372/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,475
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,765
−HK$1,311/mo
Today · 4.125%
HK$44,076
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,152/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,141
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,378
−HK$1,256/mo
Today · 4.125%
HK$48,634
baseline
▲ 0.50% · 4.625%
HK$51,197
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,268/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,325
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,984
−HK$1,685/mo
Today · 4.125%
HK$56,669
baseline
▲ 0.50% · 4.625%
HK$60,117
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,338/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,324
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,915
−HK$1,614/mo
Today · 4.125%
HK$62,529
baseline
▲ 0.50% · 4.625%
HK$65,825
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,058/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,202 · Scale 2, in force from 26 Feb 2026)