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$30,578
−HK$938/mo
Today · 4.125%
HK$31,516
baseline
▲ 0.50% · 4.625%
HK$33,433
+HK$1,917/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$487,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,992
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,877
−HK$897/mo
Today · 4.125%
HK$34,774
baseline
▲ 0.50% · 4.625%
HK$36,607
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,548/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,587
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,694
−HK$1,125/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$487,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,590
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,652
−HK$1,077/mo
Today · 4.125%
HK$41,729
baseline
▲ 0.50% · 4.625%
HK$43,929
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,458/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,518
−HK$2,604/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$487,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,189
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,427
−HK$1,257/mo
Today · 4.125%
HK$48,684
baseline
▲ 0.50% · 4.625%
HK$51,250
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,368/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,381
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,041
−HK$1,687/mo
Today · 4.125%
HK$56,728
baseline
▲ 0.50% · 4.625%
HK$60,180
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,456/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,385
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,978
−HK$1,616/mo
Today · 4.125%
HK$62,594
baseline
▲ 0.50% · 4.625%
HK$65,893
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,188/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,707 · Scale 2, in force from 26 Feb 2026)