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$29,710
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,634
−HK$939/mo
Today · 4.125%
HK$31,573
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,922/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,146/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,052
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,939
−HK$899/mo
Today · 4.125%
HK$34,838
baseline
▲ 0.50% · 4.625%
HK$36,674
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,676/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,652
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,761
−HK$1,127/mo
Today · 4.125%
HK$37,888
baseline
▲ 0.50% · 4.625%
HK$40,193
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,776/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,663
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,727
−HK$1,079/mo
Today · 4.125%
HK$41,806
baseline
▲ 0.50% · 4.625%
HK$44,009
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,612/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,594
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,888
−HK$1,315/mo
Today · 4.125%
HK$44,203
baseline
▲ 0.50% · 4.625%
HK$46,892
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,406/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,273
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,514
−HK$1,259/mo
Today · 4.125%
HK$48,773
baseline
▲ 0.50% · 4.625%
HK$51,344
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,546/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,479
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,142
−HK$1,690/mo
Today · 4.125%
HK$56,832
baseline
▲ 0.50% · 4.625%
HK$60,290
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,664/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,494
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,090
−HK$1,619/mo
Today · 4.125%
HK$62,709
baseline
▲ 0.50% · 4.625%
HK$66,014
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,418/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,602 · Scale 2, in force from 26 Feb 2026)