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$29,689
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,613
−HK$938/mo
Today · 4.125%
HK$31,551
baseline
▲ 0.50% · 4.625%
HK$33,471
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,102/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,029
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,915
−HK$898/mo
Today · 4.125%
HK$34,813
baseline
▲ 0.50% · 4.625%
HK$36,648
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,626/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,627
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,735
−HK$1,126/mo
Today · 4.125%
HK$37,861
baseline
▲ 0.50% · 4.625%
HK$40,165
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,722/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,635
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,698
−HK$1,078/mo
Today · 4.125%
HK$41,776
baseline
▲ 0.50% · 4.625%
HK$43,978
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,552/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,565
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,858
−HK$1,313/mo
Today · 4.125%
HK$44,171
baseline
▲ 0.50% · 4.625%
HK$46,859
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,342/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,240
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,481
−HK$1,258/mo
Today · 4.125%
HK$48,739
baseline
▲ 0.50% · 4.625%
HK$51,308
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,478/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,440
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,103
−HK$1,689/mo
Today · 4.125%
HK$56,792
baseline
▲ 0.50% · 4.625%
HK$60,247
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,584/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,452
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,046
−HK$1,618/mo
Today · 4.125%
HK$62,664
baseline
▲ 0.50% · 4.625%
HK$65,967
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,328/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,254 · Scale 2, in force from 26 Feb 2026)