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$29,630
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,551
−HK$937/mo
Today · 4.125%
HK$31,488
baseline
▲ 0.50% · 4.625%
HK$33,404
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,976/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,963
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,847
−HK$896/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,575
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,486/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,555
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$1,124/mo
Today · 4.125%
HK$37,785
baseline
▲ 0.50% · 4.625%
HK$40,084
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,570/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,555
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,616
−HK$1,076/mo
Today · 4.125%
HK$41,692
baseline
▲ 0.50% · 4.625%
HK$43,890
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,384/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,481
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,772
−HK$1,311/mo
Today · 4.125%
HK$44,083
baseline
▲ 0.50% · 4.625%
HK$46,765
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,166/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,148
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,385
−HK$1,256/mo
Today · 4.125%
HK$48,641
baseline
▲ 0.50% · 4.625%
HK$51,205
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,282/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,333
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$54,992
−HK$1,686/mo
Today · 4.125%
HK$56,678
baseline
▲ 0.50% · 4.625%
HK$60,126
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,356/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,333
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,924
−HK$1,614/mo
Today · 4.125%
HK$62,538
baseline
▲ 0.50% · 4.625%
HK$65,835
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,076/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,274 · Scale 2, in force from 26 Feb 2026)