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$29,672
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,595
−HK$937/mo
Today · 4.125%
HK$31,532
baseline
▲ 0.50% · 4.625%
HK$33,451
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,064/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,010
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,895
−HK$898/mo
Today · 4.125%
HK$34,793
baseline
▲ 0.50% · 4.625%
HK$36,627
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,586/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,606
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,714
−HK$1,125/mo
Today · 4.125%
HK$37,839
baseline
▲ 0.50% · 4.625%
HK$40,141
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$75,678/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,612
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,674
−HK$1,078/mo
Today · 4.125%
HK$41,752
baseline
▲ 0.50% · 4.625%
HK$43,952
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$83,504/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,541
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,833
−HK$1,312/mo
Today · 4.125%
HK$44,145
baseline
▲ 0.50% · 4.625%
HK$46,832
+HK$2,687/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,290/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,213
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,453
−HK$1,257/mo
Today · 4.125%
HK$48,710
baseline
▲ 0.50% · 4.625%
HK$51,278
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,420/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,409
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,071
−HK$1,687/mo
Today · 4.125%
HK$56,758
baseline
▲ 0.50% · 4.625%
HK$60,212
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,516/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,417
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,011
−HK$1,616/mo
Today · 4.125%
HK$62,627
baseline
▲ 0.50% · 4.625%
HK$65,929
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,254/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,969 · Scale 2, in force from 26 Feb 2026)