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$29,623
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$30,544
−HK$936/mo
Today · 4.125%
HK$31,480
baseline
▲ 0.50% · 4.625%
HK$33,396
+HK$1,916/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$62,960/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$32,955
−HK$1,780/mo
▼ 0.25% · 3.875%
HK$33,839
−HK$896/mo
Today · 4.125%
HK$34,735
baseline
▲ 0.50% · 4.625%
HK$36,566
+HK$1,831/mo
Deposit HK$6.50M · loan HK$6.50M · min. income ≈ HK$69,470/mo (50% DSR)
Upfront cash ≈ HK$6.98M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,547
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$36,653
−HK$1,123/mo
Today · 4.125%
HK$37,776
baseline
▲ 0.50% · 4.625%
HK$40,075
+HK$2,299/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$75,552/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,546
−HK$2,137/mo
▼ 0.25% · 3.875%
HK$40,607
−HK$1,076/mo
Today · 4.125%
HK$41,683
baseline
▲ 0.50% · 4.625%
HK$43,880
+HK$2,197/mo
Deposit HK$5.20M · loan HK$7.79M · min. income ≈ HK$83,366/mo (50% DSR)
Upfront cash ≈ HK$5.68M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,472
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$42,762
−HK$1,310/mo
Today · 4.125%
HK$44,072
baseline
▲ 0.50% · 4.625%
HK$46,754
+HK$2,682/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$88,144/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,137
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,374
−HK$1,256/mo
Today · 4.125%
HK$48,630
baseline
▲ 0.50% · 4.625%
HK$51,193
+HK$2,563/mo
Deposit HK$3.90M · loan HK$9.09M · min. income ≈ HK$97,260/mo (50% DSR)
Upfront cash ≈ HK$4.38M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,321
−HK$3,344/mo
▼ 0.25% · 3.875%
HK$54,979
−HK$1,686/mo
Today · 4.125%
HK$56,665
baseline
▲ 0.50% · 4.625%
HK$60,112
+HK$3,447/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$113,330/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,319
−HK$3,205/mo
▼ 0.25% · 3.875%
HK$60,910
−HK$1,614/mo
Today · 4.125%
HK$62,524
baseline
▲ 0.50% · 4.625%
HK$65,819
+HK$3,295/mo
Deposit HK$1.30M · loan HK$11.69M · min. income ≈ HK$125,048/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,161 · Scale 2, in force from 26 Feb 2026)