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$29,631
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,553
−HK$936/mo
Today · 4.125%
HK$31,489
baseline
▲ 0.50% · 4.625%
HK$33,405
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,978/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,964
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,848
−HK$897/mo
Today · 4.125%
HK$34,745
baseline
▲ 0.50% · 4.625%
HK$36,577
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,490/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,557
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,663
−HK$1,124/mo
Today · 4.125%
HK$37,787
baseline
▲ 0.50% · 4.625%
HK$40,086
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,574/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,557
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,618
−HK$1,076/mo
Today · 4.125%
HK$41,694
baseline
▲ 0.50% · 4.625%
HK$43,892
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,388/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,483
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,774
−HK$1,311/mo
Today · 4.125%
HK$44,085
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,170/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,150
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,388
−HK$1,255/mo
Today · 4.125%
HK$48,643
baseline
▲ 0.50% · 4.625%
HK$51,207
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,286/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,336
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,995
−HK$1,685/mo
Today · 4.125%
HK$56,680
baseline
▲ 0.50% · 4.625%
HK$60,129
+HK$3,449/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,360/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,336
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,927
−HK$1,614/mo
Today · 4.125%
HK$62,541
baseline
▲ 0.50% · 4.625%
HK$65,838
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,082/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,298 · Scale 2, in force from 26 Feb 2026)