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$29,631
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$937/mo
Today · 4.125%
HK$31,490
baseline
▲ 0.50% · 4.625%
HK$33,406
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,980/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,965
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,849
−HK$897/mo
Today · 4.125%
HK$34,746
baseline
▲ 0.50% · 4.625%
HK$36,577
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,492/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,558
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,664
−HK$1,123/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$40,087
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,558
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,077/mo
Today · 4.125%
HK$41,695
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,390/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,484
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,311/mo
Today · 4.125%
HK$44,085
baseline
▲ 0.50% · 4.625%
HK$46,768
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,170/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,150
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,388
−HK$1,256/mo
Today · 4.125%
HK$48,644
baseline
▲ 0.50% · 4.625%
HK$51,208
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,288/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,336
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,996
−HK$1,685/mo
Today · 4.125%
HK$56,681
baseline
▲ 0.50% · 4.625%
HK$60,130
+HK$3,449/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,362/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,336
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,928
−HK$1,614/mo
Today · 4.125%
HK$62,542
baseline
▲ 0.50% · 4.625%
HK$65,839
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,084/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,304 · Scale 2, in force from 26 Feb 2026)