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$29,652
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,575
−HK$937/mo
Today · 4.125%
HK$31,512
baseline
▲ 0.50% · 4.625%
HK$33,429
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,024/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,988
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,873
−HK$897/mo
Today · 4.125%
HK$34,770
baseline
▲ 0.50% · 4.625%
HK$36,603
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,540/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,583
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,690
−HK$1,124/mo
Today · 4.125%
HK$37,814
baseline
▲ 0.50% · 4.625%
HK$40,115
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,628/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,586
−HK$2,138/mo
▼ 0.25% · 3.875%
HK$40,647
−HK$1,077/mo
Today · 4.125%
HK$41,724
baseline
▲ 0.50% · 4.625%
HK$43,924
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,448/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,513
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,805
−HK$1,312/mo
Today · 4.125%
HK$44,117
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,234/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,183
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,422
−HK$1,256/mo
Today · 4.125%
HK$48,678
baseline
▲ 0.50% · 4.625%
HK$51,244
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,356/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,374
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,034
−HK$1,687/mo
Today · 4.125%
HK$56,721
baseline
▲ 0.50% · 4.625%
HK$60,173
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,442/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,378
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,971
−HK$1,615/mo
Today · 4.125%
HK$62,586
baseline
▲ 0.50% · 4.625%
HK$65,885
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,172/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,649 · Scale 2, in force from 26 Feb 2026)