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$29,656
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,579
−HK$937/mo
Today · 4.125%
HK$31,516
baseline
▲ 0.50% · 4.625%
HK$33,434
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,032/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,992
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$898/mo
Today · 4.125%
HK$34,775
baseline
▲ 0.50% · 4.625%
HK$36,608
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,550/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,588
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,695
−HK$1,124/mo
Today · 4.125%
HK$37,819
baseline
▲ 0.50% · 4.625%
HK$40,120
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,638/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,591
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,653
−HK$1,077/mo
Today · 4.125%
HK$41,730
baseline
▲ 0.50% · 4.625%
HK$43,929
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,460/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,519
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,810
−HK$1,312/mo
Today · 4.125%
HK$44,122
baseline
▲ 0.50% · 4.625%
HK$46,807
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,244/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,189
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,428
−HK$1,257/mo
Today · 4.125%
HK$48,685
baseline
▲ 0.50% · 4.625%
HK$51,251
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,370/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,381
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,042
−HK$1,687/mo
Today · 4.125%
HK$56,729
baseline
▲ 0.50% · 4.625%
HK$60,181
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,458/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,386
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,979
−HK$1,616/mo
Today · 4.125%
HK$62,595
baseline
▲ 0.50% · 4.625%
HK$65,894
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,190/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,714 · Scale 2, in force from 26 Feb 2026)