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$29,638
−HK$1,858/mo
▼ 0.25% · 3.875%
HK$30,559
−HK$937/mo
Today · 4.125%
HK$31,496
baseline
▲ 0.50% · 4.625%
HK$33,413
+HK$1,917/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,992/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,971
−HK$1,782/mo
▼ 0.25% · 3.875%
HK$33,856
−HK$897/mo
Today · 4.125%
HK$34,753
baseline
▲ 0.50% · 4.625%
HK$36,585
+HK$1,832/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,506/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,565
−HK$2,230/mo
▼ 0.25% · 3.875%
HK$36,671
−HK$1,124/mo
Today · 4.125%
HK$37,795
baseline
▲ 0.50% · 4.625%
HK$40,095
+HK$2,300/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,590/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,566
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,627
−HK$1,076/mo
Today · 4.125%
HK$41,703
baseline
▲ 0.50% · 4.625%
HK$43,902
+HK$2,199/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,406/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,493
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,783
−HK$1,312/mo
Today · 4.125%
HK$44,095
baseline
▲ 0.50% · 4.625%
HK$46,778
+HK$2,683/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$88,190/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,160
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,398
−HK$1,256/mo
Today · 4.125%
HK$48,654
baseline
▲ 0.50% · 4.625%
HK$51,219
+HK$2,565/mo
Deposit HK$3.90M · loan HK$9.10M · min. income ≈ HK$97,308/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,348
−HK$3,345/mo
▼ 0.25% · 3.875%
HK$55,007
−HK$1,686/mo
Today · 4.125%
HK$56,693
baseline
▲ 0.50% · 4.625%
HK$60,143
+HK$3,450/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$113,386/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,349
−HK$3,206/mo
▼ 0.25% · 3.875%
HK$60,940
−HK$1,615/mo
Today · 4.125%
HK$62,555
baseline
▲ 0.50% · 4.625%
HK$65,852
+HK$3,297/mo
Deposit HK$1.30M · loan HK$11.70M · min. income ≈ HK$125,110/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,406 · Scale 2, in force from 26 Feb 2026)