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$29,643
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,566
−HK$936/mo
Today · 4.125%
HK$31,502
baseline
▲ 0.50% · 4.625%
HK$33,419
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,004/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,978
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,863
−HK$897/mo
Today · 4.125%
HK$34,760
baseline
▲ 0.50% · 4.625%
HK$36,592
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,520/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,572
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,679
−HK$1,124/mo
Today · 4.125%
HK$37,803
baseline
▲ 0.50% · 4.625%
HK$40,103
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,606/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,574
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,635
−HK$1,077/mo
Today · 4.125%
HK$41,712
baseline
▲ 0.50% · 4.625%
HK$43,910
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,424/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,501
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,792
−HK$1,311/mo
Today · 4.125%
HK$44,103
baseline
▲ 0.50% · 4.625%
HK$46,787
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,206/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,169
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,408
−HK$1,256/mo
Today · 4.125%
HK$48,664
baseline
▲ 0.50% · 4.625%
HK$51,229
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,328/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,358
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,018
−HK$1,686/mo
Today · 4.125%
HK$56,704
baseline
▲ 0.50% · 4.625%
HK$60,155
+HK$3,451/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,408/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,361
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,953
−HK$1,615/mo
Today · 4.125%
HK$62,568
baseline
▲ 0.50% · 4.625%
HK$65,866
+HK$3,298/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,136/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,503 · Scale 2, in force from 26 Feb 2026)