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$29,625
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,547
−HK$936/mo
Today · 4.125%
HK$31,483
baseline
▲ 0.50% · 4.625%
HK$33,399
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,966/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,958
−HK$1,781/mo
▼ 0.25% · 3.875%
HK$33,842
−HK$897/mo
Today · 4.125%
HK$34,739
baseline
▲ 0.50% · 4.625%
HK$36,570
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,478/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,551
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,656
−HK$1,124/mo
Today · 4.125%
HK$37,780
baseline
▲ 0.50% · 4.625%
HK$40,079
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,560/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,550
−HK$2,136/mo
▼ 0.25% · 3.875%
HK$40,610
−HK$1,076/mo
Today · 4.125%
HK$41,686
baseline
▲ 0.50% · 4.625%
HK$43,884
+HK$2,198/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,372/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,476
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,766
−HK$1,311/mo
Today · 4.125%
HK$44,077
baseline
▲ 0.50% · 4.625%
HK$46,759
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,154/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,141
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,379
−HK$1,255/mo
Today · 4.125%
HK$48,634
baseline
▲ 0.50% · 4.625%
HK$51,198
+HK$2,564/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,268/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,326
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,985
−HK$1,685/mo
Today · 4.125%
HK$56,670
baseline
▲ 0.50% · 4.625%
HK$60,118
+HK$3,448/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,340/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,324
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,916
−HK$1,614/mo
Today · 4.125%
HK$62,530
baseline
▲ 0.50% · 4.625%
HK$65,826
+HK$3,296/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,060/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,207 · Scale 2, in force from 26 Feb 2026)