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$29,657
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,580
−HK$937/mo
Today · 4.125%
HK$31,517
baseline
▲ 0.50% · 4.625%
HK$33,435
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,034/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,993
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,878
−HK$898/mo
Today · 4.125%
HK$34,776
baseline
▲ 0.50% · 4.625%
HK$36,609
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,552/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,589
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,696
−HK$1,124/mo
Today · 4.125%
HK$37,820
baseline
▲ 0.50% · 4.625%
HK$40,122
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,640/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,592
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,654
−HK$1,077/mo
Today · 4.125%
HK$41,731
baseline
▲ 0.50% · 4.625%
HK$43,931
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,462/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,520
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,812
−HK$1,312/mo
Today · 4.125%
HK$44,124
baseline
▲ 0.50% · 4.625%
HK$46,809
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,248/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,191
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,430
−HK$1,256/mo
Today · 4.125%
HK$48,686
baseline
▲ 0.50% · 4.625%
HK$51,253
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,372/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,383
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,044
−HK$1,687/mo
Today · 4.125%
HK$56,731
baseline
▲ 0.50% · 4.625%
HK$60,183
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,462/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,388
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,981
−HK$1,616/mo
Today · 4.125%
HK$62,597
baseline
▲ 0.50% · 4.625%
HK$65,896
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,194/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,730 · Scale 2, in force from 26 Feb 2026)