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$29,695
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,619
−HK$938/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,036
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,922
−HK$898/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,656
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$1,126/mo
Today · 4.125%
HK$37,869
baseline
▲ 0.50% · 4.625%
HK$40,173
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,738/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,706
−HK$1,078/mo
Today · 4.125%
HK$41,784
baseline
▲ 0.50% · 4.625%
HK$43,987
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,568/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,573
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,314/mo
Today · 4.125%
HK$44,180
baseline
▲ 0.50% · 4.625%
HK$46,868
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,360/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,250
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,490
−HK$1,259/mo
Today · 4.125%
HK$48,749
baseline
▲ 0.50% · 4.625%
HK$51,318
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,498/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,451
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,114
−HK$1,689/mo
Today · 4.125%
HK$56,803
baseline
▲ 0.50% · 4.625%
HK$60,259
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,606/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,464
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,059
−HK$1,618/mo
Today · 4.125%
HK$62,677
baseline
▲ 0.50% · 4.625%
HK$65,980
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,354/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,353 · Scale 2, in force from 26 Feb 2026)