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$29,659
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,581
−HK$937/mo
Today · 4.125%
HK$31,518
baseline
▲ 0.50% · 4.625%
HK$33,436
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,036/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,995
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,880
−HK$897/mo
Today · 4.125%
HK$34,777
baseline
▲ 0.50% · 4.625%
HK$36,611
+HK$1,834/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,554/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,590
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,697
−HK$1,125/mo
Today · 4.125%
HK$37,822
baseline
▲ 0.50% · 4.625%
HK$40,123
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,644/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,594
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,656
−HK$1,077/mo
Today · 4.125%
HK$41,733
baseline
▲ 0.50% · 4.625%
HK$43,933
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,466/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,522
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,814
−HK$1,312/mo
Today · 4.125%
HK$44,126
baseline
▲ 0.50% · 4.625%
HK$46,811
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,252/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,193
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,432
−HK$1,256/mo
Today · 4.125%
HK$48,688
baseline
▲ 0.50% · 4.625%
HK$51,255
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,376/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,385
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,046
−HK$1,687/mo
Today · 4.125%
HK$56,733
baseline
▲ 0.50% · 4.625%
HK$60,185
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,466/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,391
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,984
−HK$1,615/mo
Today · 4.125%
HK$62,599
baseline
▲ 0.50% · 4.625%
HK$65,899
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,198/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,751 · Scale 2, in force from 26 Feb 2026)