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$29,693
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,617
−HK$938/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,919
−HK$899/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,632
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,740
−HK$1,126/mo
Today · 4.125%
HK$37,866
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,732/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,640
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,079/mo
Today · 4.125%
HK$41,782
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,564/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,571
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,864
−HK$1,313/mo
Today · 4.125%
HK$44,177
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,354/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,247
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,487
−HK$1,258/mo
Today · 4.125%
HK$48,745
baseline
▲ 0.50% · 4.625%
HK$51,315
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,490/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,448
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,110
−HK$1,690/mo
Today · 4.125%
HK$56,800
baseline
▲ 0.50% · 4.625%
HK$60,256
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,600/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,460
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,055
−HK$1,618/mo
Today · 4.125%
HK$62,673
baseline
▲ 0.50% · 4.625%
HK$65,976
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,346/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,322 · Scale 2, in force from 26 Feb 2026)