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$29,687
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,610
−HK$938/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,468
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,096/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,026
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,912
−HK$898/mo
Today · 4.125%
HK$34,810
baseline
▲ 0.50% · 4.625%
HK$36,645
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,620/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,624
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,732
−HK$1,126/mo
Today · 4.125%
HK$37,858
baseline
▲ 0.50% · 4.625%
HK$40,162
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,716/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,631
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,694
−HK$1,079/mo
Today · 4.125%
HK$41,773
baseline
▲ 0.50% · 4.625%
HK$43,974
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,546/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,561
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,854
−HK$1,314/mo
Today · 4.125%
HK$44,168
baseline
▲ 0.50% · 4.625%
HK$46,855
+HK$2,687/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,336/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,237
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,477
−HK$1,258/mo
Today · 4.125%
HK$48,735
baseline
▲ 0.50% · 4.625%
HK$51,304
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,470/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,436
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,098
−HK$1,689/mo
Today · 4.125%
HK$56,787
baseline
▲ 0.50% · 4.625%
HK$60,242
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,574/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,447
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,041
−HK$1,618/mo
Today · 4.125%
HK$62,659
baseline
▲ 0.50% · 4.625%
HK$65,962
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,318/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,214 · Scale 2, in force from 26 Feb 2026)