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$29,661
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,584
−HK$937/mo
Today · 4.125%
HK$31,521
baseline
▲ 0.50% · 4.625%
HK$33,439
+HK$1,918/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$63,042/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,998
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,883
−HK$898/mo
Today · 4.125%
HK$34,781
baseline
▲ 0.50% · 4.625%
HK$36,614
+HK$1,833/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,562/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,594
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,701
−HK$1,125/mo
Today · 4.125%
HK$37,826
baseline
▲ 0.50% · 4.625%
HK$40,127
+HK$2,301/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$75,652/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,598
−HK$2,139/mo
▼ 0.25% · 3.875%
HK$40,660
−HK$1,077/mo
Today · 4.125%
HK$41,737
baseline
▲ 0.50% · 4.625%
HK$43,937
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.80M · min. income ≈ HK$83,474/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,526
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,818
−HK$1,312/mo
Today · 4.125%
HK$44,130
baseline
▲ 0.50% · 4.625%
HK$46,815
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,260/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,197
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,436
−HK$1,257/mo
Today · 4.125%
HK$48,693
baseline
▲ 0.50% · 4.625%
HK$51,260
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,386/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,390
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,051
−HK$1,688/mo
Today · 4.125%
HK$56,739
baseline
▲ 0.50% · 4.625%
HK$60,191
+HK$3,452/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,478/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,396
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$60,989
−HK$1,616/mo
Today · 4.125%
HK$62,605
baseline
▲ 0.50% · 4.625%
HK$65,905
+HK$3,300/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,210/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,797 · Scale 2, in force from 26 Feb 2026)