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$29,651
−HK$1,859/mo
▼ 0.25% · 3.875%
HK$30,573
−HK$937/mo
Today · 4.125%
HK$31,510
baseline
▲ 0.50% · 4.625%
HK$33,427
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,020/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,986
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,871
−HK$897/mo
Today · 4.125%
HK$34,768
baseline
▲ 0.50% · 4.625%
HK$36,601
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,536/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,581
−HK$2,231/mo
▼ 0.25% · 3.875%
HK$36,688
−HK$1,124/mo
Today · 4.125%
HK$37,812
baseline
▲ 0.50% · 4.625%
HK$40,113
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,624/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,583
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,645
−HK$1,077/mo
Today · 4.125%
HK$41,722
baseline
▲ 0.50% · 4.625%
HK$43,921
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,444/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,511
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,802
−HK$1,312/mo
Today · 4.125%
HK$44,114
baseline
▲ 0.50% · 4.625%
HK$46,798
+HK$2,684/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,228/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,181
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,419
−HK$1,257/mo
Today · 4.125%
HK$48,676
baseline
▲ 0.50% · 4.625%
HK$51,241
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,352/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,371
−HK$3,347/mo
▼ 0.25% · 3.875%
HK$55,031
−HK$1,687/mo
Today · 4.125%
HK$56,718
baseline
▲ 0.50% · 4.625%
HK$60,169
+HK$3,451/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,436/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,375
−HK$3,208/mo
▼ 0.25% · 3.875%
HK$60,967
−HK$1,616/mo
Today · 4.125%
HK$62,583
baseline
▲ 0.50% · 4.625%
HK$65,882
+HK$3,299/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,166/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,622 · Scale 2, in force from 26 Feb 2026)