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$29,713
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,638
−HK$939/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,498
+HK$1,921/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,056
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,942
−HK$900/mo
Today · 4.125%
HK$34,842
baseline
▲ 0.50% · 4.625%
HK$36,678
+HK$1,836/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,684/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,765
−HK$1,127/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$40,198
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,731
−HK$1,079/mo
Today · 4.125%
HK$41,810
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,620/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,314/mo
Today · 4.125%
HK$44,207
baseline
▲ 0.50% · 4.625%
HK$46,897
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,414/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,278
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,519
−HK$1,259/mo
Today · 4.125%
HK$48,778
baseline
▲ 0.50% · 4.625%
HK$51,349
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,556/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,484
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,148
−HK$1,690/mo
Today · 4.125%
HK$56,838
baseline
▲ 0.50% · 4.625%
HK$60,296
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,676/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,500
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,096
−HK$1,619/mo
Today · 4.125%
HK$62,715
baseline
▲ 0.50% · 4.625%
HK$66,021
+HK$3,306/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,430/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,651 · Scale 2, in force from 26 Feb 2026)