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$29,698
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,622
−HK$938/mo
Today · 4.125%
HK$31,560
baseline
▲ 0.50% · 4.625%
HK$33,481
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,120/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,039
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,925
−HK$899/mo
Today · 4.125%
HK$34,824
baseline
▲ 0.50% · 4.625%
HK$36,659
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,648/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,637
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,746
−HK$1,126/mo
Today · 4.125%
HK$37,872
baseline
▲ 0.50% · 4.625%
HK$40,177
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,744/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,646
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,710
−HK$1,078/mo
Today · 4.125%
HK$41,788
baseline
▲ 0.50% · 4.625%
HK$43,991
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,576/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,577
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,870
−HK$1,314/mo
Today · 4.125%
HK$44,184
baseline
▲ 0.50% · 4.625%
HK$46,873
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,368/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,254
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,495
−HK$1,258/mo
Today · 4.125%
HK$48,753
baseline
▲ 0.50% · 4.625%
HK$51,323
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,506/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,456
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,119
−HK$1,689/mo
Today · 4.125%
HK$56,808
baseline
▲ 0.50% · 4.625%
HK$60,265
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,616/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,470
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,064
−HK$1,618/mo
Today · 4.125%
HK$62,682
baseline
▲ 0.50% · 4.625%
HK$65,987
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,364/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,398 · Scale 2, in force from 26 Feb 2026)