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$29,677
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,600
−HK$938/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,457
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,015
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,901
−HK$898/mo
Today · 4.125%
HK$34,799
baseline
▲ 0.50% · 4.625%
HK$36,633
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,598/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,612
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,720
−HK$1,126/mo
Today · 4.125%
HK$37,846
baseline
▲ 0.50% · 4.625%
HK$40,148
+HK$2,302/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,692/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,618
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,681
−HK$1,078/mo
Today · 4.125%
HK$41,759
baseline
▲ 0.50% · 4.625%
HK$43,960
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,518/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,548
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,840
−HK$1,313/mo
Today · 4.125%
HK$44,153
baseline
▲ 0.50% · 4.625%
HK$46,840
+HK$2,687/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,306/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,461
−HK$1,258/mo
Today · 4.125%
HK$48,719
baseline
▲ 0.50% · 4.625%
HK$51,287
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,438/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,419
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,080
−HK$1,688/mo
Today · 4.125%
HK$56,768
baseline
▲ 0.50% · 4.625%
HK$60,223
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,536/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,428
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,022
−HK$1,616/mo
Today · 4.125%
HK$62,638
baseline
▲ 0.50% · 4.625%
HK$65,940
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,276/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,055 · Scale 2, in force from 26 Feb 2026)