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$29,629
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,550
−HK$937/mo
Today · 4.125%
HK$31,487
baseline
▲ 0.50% · 4.625%
HK$33,403
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,974/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,962
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,846
−HK$897/mo
Today · 4.125%
HK$34,743
baseline
▲ 0.50% · 4.625%
HK$36,574
+HK$1,831/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$487,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,555
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,661
−HK$1,123/mo
Today · 4.125%
HK$37,784
baseline
▲ 0.50% · 4.625%
HK$40,083
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,568/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,554
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,615
−HK$1,076/mo
Today · 4.125%
HK$41,691
baseline
▲ 0.50% · 4.625%
HK$43,889
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,382/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,480
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,771
−HK$1,311/mo
Today · 4.125%
HK$44,082
baseline
▲ 0.50% · 4.625%
HK$46,764
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,164/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,146
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,384
−HK$1,256/mo
Today · 4.125%
HK$48,640
baseline
▲ 0.50% · 4.625%
HK$51,204
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,280/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,332
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,991
−HK$1,685/mo
Today · 4.125%
HK$56,676
baseline
▲ 0.50% · 4.625%
HK$60,125
+HK$3,449/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,352/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,331
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,922
−HK$1,615/mo
Today · 4.125%
HK$62,537
baseline
▲ 0.50% · 4.625%
HK$65,833
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,074/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,262 · Scale 2, in force from 26 Feb 2026)