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$29,708
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,632
−HK$939/mo
Today · 4.125%
HK$31,571
baseline
▲ 0.50% · 4.625%
HK$33,492
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,142/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,050
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,936
−HK$899/mo
Today · 4.125%
HK$34,835
baseline
▲ 0.50% · 4.625%
HK$36,671
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,670/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,649
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,758
−HK$1,127/mo
Today · 4.125%
HK$37,885
baseline
▲ 0.50% · 4.625%
HK$40,190
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,770/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,659
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,723
−HK$1,079/mo
Today · 4.125%
HK$41,802
baseline
▲ 0.50% · 4.625%
HK$44,006
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,604/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,591
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,885
−HK$1,314/mo
Today · 4.125%
HK$44,199
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,398/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,269
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,510
−HK$1,259/mo
Today · 4.125%
HK$48,769
baseline
▲ 0.50% · 4.625%
HK$51,340
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,538/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,474
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,137
−HK$1,690/mo
Today · 4.125%
HK$56,827
baseline
▲ 0.50% · 4.625%
HK$60,285
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,654/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,489
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,085
−HK$1,618/mo
Today · 4.125%
HK$62,703
baseline
▲ 0.50% · 4.625%
HK$66,008
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,406/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,560 · Scale 2, in force from 26 Feb 2026)