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$29,622
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,543
−HK$936/mo
Today · 4.125%
HK$31,479
baseline
▲ 0.50% · 4.625%
HK$33,395
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,958/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,954
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,838
−HK$896/mo
Today · 4.125%
HK$34,734
baseline
▲ 0.50% · 4.625%
HK$36,565
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,468/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,546
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,652
−HK$1,123/mo
Today · 4.125%
HK$37,775
baseline
▲ 0.50% · 4.625%
HK$40,074
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,550/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,545
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,605
−HK$1,076/mo
Today · 4.125%
HK$41,681
baseline
▲ 0.50% · 4.625%
HK$43,878
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,362/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,470
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,760
−HK$1,311/mo
Today · 4.125%
HK$44,071
baseline
▲ 0.50% · 4.625%
HK$46,752
+HK$2,681/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,142/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,135
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,373
−HK$1,255/mo
Today · 4.125%
HK$48,628
baseline
▲ 0.50% · 4.625%
HK$51,191
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,256/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,319
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,977
−HK$1,686/mo
Today · 4.125%
HK$56,663
baseline
▲ 0.50% · 4.625%
HK$60,110
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,326/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,317
−HK$3,204/mo
▼ 0.25% · 3.875%
HK$60,908
−HK$1,613/mo
Today · 4.125%
HK$62,521
baseline
▲ 0.50% · 4.625%
HK$65,817
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,042/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,144 · Scale 2, in force from 26 Feb 2026)