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$29,653
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,575
−HK$938/mo
Today · 4.125%
HK$31,513
baseline
▲ 0.50% · 4.625%
HK$33,430
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,026/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,989
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,874
−HK$897/mo
Today · 4.125%
HK$34,771
baseline
▲ 0.50% · 4.625%
HK$36,604
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,542/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,584
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,691
−HK$1,124/mo
Today · 4.125%
HK$37,815
baseline
▲ 0.50% · 4.625%
HK$40,116
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,630/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,587
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,648
−HK$1,077/mo
Today · 4.125%
HK$41,725
baseline
▲ 0.50% · 4.625%
HK$43,925
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,450/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,514
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,806
−HK$1,312/mo
Today · 4.125%
HK$44,118
baseline
▲ 0.50% · 4.625%
HK$46,802
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,236/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,184
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,423
−HK$1,257/mo
Today · 4.125%
HK$48,680
baseline
▲ 0.50% · 4.625%
HK$51,245
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,360/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,376
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,036
−HK$1,687/mo
Today · 4.125%
HK$56,723
baseline
▲ 0.50% · 4.625%
HK$60,174
+HK$3,451/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,446/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,380
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,972
−HK$1,616/mo
Today · 4.125%
HK$62,588
baseline
▲ 0.50% · 4.625%
HK$65,887
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,176/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,661 · Scale 2, in force from 26 Feb 2026)