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$29,654
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,577
−HK$937/mo
Today · 4.125%
HK$31,514
baseline
▲ 0.50% · 4.625%
HK$33,432
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,028/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,990
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,875
−HK$898/mo
Today · 4.125%
HK$34,773
baseline
▲ 0.50% · 4.625%
HK$36,605
+HK$1,832/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$487,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,585
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,692
−HK$1,125/mo
Today · 4.125%
HK$37,817
baseline
▲ 0.50% · 4.625%
HK$40,118
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,634/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,588
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,650
−HK$1,077/mo
Today · 4.125%
HK$41,727
baseline
▲ 0.50% · 4.625%
HK$43,927
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,454/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,516
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,808
−HK$1,312/mo
Today · 4.125%
HK$44,120
baseline
▲ 0.50% · 4.625%
HK$46,804
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,240/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,186
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,425
−HK$1,257/mo
Today · 4.125%
HK$48,682
baseline
▲ 0.50% · 4.625%
HK$51,248
+HK$2,566/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,364/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,378
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,038
−HK$1,687/mo
Today · 4.125%
HK$56,725
baseline
▲ 0.50% · 4.625%
HK$60,177
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,450/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,382
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,975
−HK$1,616/mo
Today · 4.125%
HK$62,591
baseline
▲ 0.50% · 4.625%
HK$65,890
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,182/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,682 · Scale 2, in force from 26 Feb 2026)