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$29,642
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,564
−HK$937/mo
Today · 4.125%
HK$31,501
baseline
▲ 0.50% · 4.625%
HK$33,418
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,002/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,977
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,861
−HK$897/mo
Today · 4.125%
HK$34,758
baseline
▲ 0.50% · 4.625%
HK$36,591
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,516/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,571
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,677
−HK$1,124/mo
Today · 4.125%
HK$37,801
baseline
▲ 0.50% · 4.625%
HK$40,102
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,602/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,572
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,633
−HK$1,077/mo
Today · 4.125%
HK$41,710
baseline
▲ 0.50% · 4.625%
HK$43,909
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,420/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,499
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,790
−HK$1,312/mo
Today · 4.125%
HK$44,102
baseline
▲ 0.50% · 4.625%
HK$46,785
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,204/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,168
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,406
−HK$1,256/mo
Today · 4.125%
HK$48,662
baseline
▲ 0.50% · 4.625%
HK$51,227
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,324/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,356
−HK$3,346/mo
▼ 0.25% · 3.875%
HK$55,016
−HK$1,686/mo
Today · 4.125%
HK$56,702
baseline
▲ 0.50% · 4.625%
HK$60,152
+HK$3,450/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,404/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,358
−HK$3,207/mo
▼ 0.25% · 3.875%
HK$60,950
−HK$1,615/mo
Today · 4.125%
HK$62,565
baseline
▲ 0.50% · 4.625%
HK$65,863
+HK$3,298/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,130/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,484 · Scale 2, in force from 26 Feb 2026)