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$29,660
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,583
−HK$937/mo
Today · 4.125%
HK$31,520
baseline
▲ 0.50% · 4.625%
HK$33,438
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,040/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,997
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,881
−HK$898/mo
Today · 4.125%
HK$34,779
baseline
▲ 0.50% · 4.625%
HK$36,613
+HK$1,834/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,558/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,592
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,699
−HK$1,125/mo
Today · 4.125%
HK$37,824
baseline
▲ 0.50% · 4.625%
HK$40,126
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,648/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,596
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,658
−HK$1,077/mo
Today · 4.125%
HK$41,735
baseline
▲ 0.50% · 4.625%
HK$43,935
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,470/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,524
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,816
−HK$1,312/mo
Today · 4.125%
HK$44,128
baseline
▲ 0.50% · 4.625%
HK$46,813
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,256/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,195
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,434
−HK$1,257/mo
Today · 4.125%
HK$48,691
baseline
▲ 0.50% · 4.625%
HK$51,258
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,382/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,388
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,049
−HK$1,687/mo
Today · 4.125%
HK$56,736
baseline
▲ 0.50% · 4.625%
HK$60,188
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,472/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,394
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,987
−HK$1,616/mo
Today · 4.125%
HK$62,603
baseline
▲ 0.50% · 4.625%
HK$65,903
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,206/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,776 · Scale 2, in force from 26 Feb 2026)