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$29,679
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,602
−HK$938/mo
Today · 4.125%
HK$31,540
baseline
▲ 0.50% · 4.625%
HK$33,460
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,080/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,018
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,903
−HK$899/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,636
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,615
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,723
−HK$1,125/mo
Today · 4.125%
HK$37,848
baseline
▲ 0.50% · 4.625%
HK$40,151
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,696/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,621
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,684
−HK$1,078/mo
Today · 4.125%
HK$41,762
baseline
▲ 0.50% · 4.625%
HK$43,963
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,524/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,551
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,843
−HK$1,314/mo
Today · 4.125%
HK$44,157
baseline
▲ 0.50% · 4.625%
HK$46,843
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,314/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,225
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,465
−HK$1,257/mo
Today · 4.125%
HK$48,722
baseline
▲ 0.50% · 4.625%
HK$51,291
+HK$2,569/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,444/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,423
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,084
−HK$1,689/mo
Today · 4.125%
HK$56,773
baseline
▲ 0.50% · 4.625%
HK$60,227
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,546/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,432
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,026
−HK$1,617/mo
Today · 4.125%
HK$62,643
baseline
▲ 0.50% · 4.625%
HK$65,945
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,286/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,091 · Scale 2, in force from 26 Feb 2026)