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$29,624
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,545
−HK$936/mo
Today · 4.125%
HK$31,481
baseline
▲ 0.50% · 4.625%
HK$33,397
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,962/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,956
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,840
−HK$897/mo
Today · 4.125%
HK$34,737
baseline
▲ 0.50% · 4.625%
HK$36,568
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,474/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,548
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,654
−HK$1,124/mo
Today · 4.125%
HK$37,778
baseline
▲ 0.50% · 4.625%
HK$40,076
+HK$2,298/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,556/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,547
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,608
−HK$1,076/mo
Today · 4.125%
HK$41,684
baseline
▲ 0.50% · 4.625%
HK$43,881
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,368/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,473
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,763
−HK$1,311/mo
Today · 4.125%
HK$44,074
baseline
▲ 0.50% · 4.625%
HK$46,756
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,148/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,139
−HK$2,492/mo
▼ 0.25% · 3.875%
HK$47,376
−HK$1,255/mo
Today · 4.125%
HK$48,631
baseline
▲ 0.50% · 4.625%
HK$51,195
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,262/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,323
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,981
−HK$1,686/mo
Today · 4.125%
HK$56,667
baseline
▲ 0.50% · 4.625%
HK$60,115
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,334/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,321
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,912
−HK$1,614/mo
Today · 4.125%
HK$62,526
baseline
▲ 0.50% · 4.625%
HK$65,822
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,052/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,178 · Scale 2, in force from 26 Feb 2026)