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$29,712
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,636
−HK$939/mo
Today · 4.125%
HK$31,575
baseline
▲ 0.50% · 4.625%
HK$33,497
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,150/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,054
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,941
−HK$899/mo
Today · 4.125%
HK$34,840
baseline
▲ 0.50% · 4.625%
HK$36,677
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,680/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,654
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,763
−HK$1,127/mo
Today · 4.125%
HK$37,890
baseline
▲ 0.50% · 4.625%
HK$40,196
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,780/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,665
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,729
−HK$1,079/mo
Today · 4.125%
HK$41,808
baseline
▲ 0.50% · 4.625%
HK$44,012
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,616/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,597
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,891
−HK$1,314/mo
Today · 4.125%
HK$44,205
baseline
▲ 0.50% · 4.625%
HK$46,895
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,410/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,276
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,517
−HK$1,259/mo
Today · 4.125%
HK$48,776
baseline
▲ 0.50% · 4.625%
HK$51,347
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,552/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,482
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,145
−HK$1,690/mo
Today · 4.125%
HK$56,835
baseline
▲ 0.50% · 4.625%
HK$60,294
+HK$3,459/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,670/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,498
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,093
−HK$1,619/mo
Today · 4.125%
HK$62,712
baseline
▲ 0.50% · 4.625%
HK$66,018
+HK$3,306/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,424/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,630 · Scale 2, in force from 26 Feb 2026)