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$29,715
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,640
−HK$939/mo
Today · 4.125%
HK$31,579
baseline
▲ 0.50% · 4.625%
HK$33,500
+HK$1,921/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,158/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,058
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,945
−HK$899/mo
Today · 4.125%
HK$34,844
baseline
▲ 0.50% · 4.625%
HK$36,681
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,688/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,658
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,768
−HK$1,127/mo
Today · 4.125%
HK$37,895
baseline
▲ 0.50% · 4.625%
HK$40,200
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,790/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,670
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,734
−HK$1,079/mo
Today · 4.125%
HK$41,813
baseline
▲ 0.50% · 4.625%
HK$44,017
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,626/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,602
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,896
−HK$1,314/mo
Today · 4.125%
HK$44,210
baseline
▲ 0.50% · 4.625%
HK$46,900
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,420/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,281
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,522
−HK$1,260/mo
Today · 4.125%
HK$48,782
baseline
▲ 0.50% · 4.625%
HK$51,353
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,564/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,488
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,151
−HK$1,691/mo
Today · 4.125%
HK$56,842
baseline
▲ 0.50% · 4.625%
HK$60,300
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,684/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,504
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,100
−HK$1,619/mo
Today · 4.125%
HK$62,719
baseline
▲ 0.50% · 4.625%
HK$66,025
+HK$3,306/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,438/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,685 · Scale 2, in force from 26 Feb 2026)