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$29,655
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,577
−HK$938/mo
Today · 4.125%
HK$31,515
baseline
▲ 0.50% · 4.625%
HK$33,432
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,030/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,991
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,876
−HK$897/mo
Today · 4.125%
HK$34,773
baseline
▲ 0.50% · 4.625%
HK$36,606
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,546/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,586
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,693
−HK$1,125/mo
Today · 4.125%
HK$37,818
baseline
▲ 0.50% · 4.625%
HK$40,119
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,636/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,589
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,651
−HK$1,077/mo
Today · 4.125%
HK$41,728
baseline
▲ 0.50% · 4.625%
HK$43,928
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,456/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,517
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,808
−HK$1,313/mo
Today · 4.125%
HK$44,121
baseline
▲ 0.50% · 4.625%
HK$46,805
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,242/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,187
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,426
−HK$1,257/mo
Today · 4.125%
HK$48,683
baseline
▲ 0.50% · 4.625%
HK$51,249
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,366/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,379
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,039
−HK$1,687/mo
Today · 4.125%
HK$56,726
baseline
▲ 0.50% · 4.625%
HK$60,178
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,452/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,384
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,976
−HK$1,616/mo
Today · 4.125%
HK$62,592
baseline
▲ 0.50% · 4.625%
HK$65,891
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,184/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,693 · Scale 2, in force from 26 Feb 2026)