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$29,686
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,609
−HK$939/mo
Today · 4.125%
HK$31,548
baseline
▲ 0.50% · 4.625%
HK$33,467
+HK$1,919/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$488,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,025
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,911
−HK$899/mo
Today · 4.125%
HK$34,810
baseline
▲ 0.50% · 4.625%
HK$36,644
+HK$1,834/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$488,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,623
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,731
−HK$1,126/mo
Today · 4.125%
HK$37,857
baseline
▲ 0.50% · 4.625%
HK$40,161
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,714/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,630
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,693
−HK$1,079/mo
Today · 4.125%
HK$41,772
baseline
▲ 0.50% · 4.625%
HK$43,973
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,544/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,560
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,853
−HK$1,314/mo
Today · 4.125%
HK$44,167
baseline
▲ 0.50% · 4.625%
HK$46,854
+HK$2,687/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,334/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,235
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,476
−HK$1,257/mo
Today · 4.125%
HK$48,733
baseline
▲ 0.50% · 4.625%
HK$51,302
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,466/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,435
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,097
−HK$1,689/mo
Today · 4.125%
HK$56,786
baseline
▲ 0.50% · 4.625%
HK$60,241
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,572/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,446
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,040
−HK$1,617/mo
Today · 4.125%
HK$62,657
baseline
▲ 0.50% · 4.625%
HK$65,960
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,314/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,202 · Scale 2, in force from 26 Feb 2026)