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$1,860/mo
▼ 0.25% · 3.875%
HK$30,582
−HK$937/mo
Today · 4.125%
HK$31,519
baseline
▲ 0.50% · 4.625%
HK$33,437
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,038/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,996
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$897/mo
Today · 4.125%
HK$34,778
baseline
▲ 0.50% · 4.625%
HK$36,612
+HK$1,834/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,556/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,591
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,698
−HK$1,125/mo
Today · 4.125%
HK$37,823
baseline
▲ 0.50% · 4.625%
HK$40,125
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,646/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,595
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,657
−HK$1,077/mo
Today · 4.125%
HK$41,734
baseline
▲ 0.50% · 4.625%
HK$43,934
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,468/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,523
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,815
−HK$1,312/mo
Today · 4.125%
HK$44,127
baseline
▲ 0.50% · 4.625%
HK$46,812
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,254/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,194
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,433
−HK$1,257/mo
Today · 4.125%
HK$48,690
baseline
▲ 0.50% · 4.625%
HK$51,256
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,380/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,387
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,047
−HK$1,688/mo
Today · 4.125%
HK$56,735
baseline
▲ 0.50% · 4.625%
HK$60,187
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,470/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,392
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,985
−HK$1,616/mo
Today · 4.125%
HK$62,601
baseline
▲ 0.50% · 4.625%
HK$65,901
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,202/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,764 · Scale 2, in force from 26 Feb 2026)