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$29,684
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,607
−HK$938/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,465
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,023
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,909
−HK$898/mo
Today · 4.125%
HK$34,807
baseline
▲ 0.50% · 4.625%
HK$36,642
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,614/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,621
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,729
−HK$1,125/mo
Today · 4.125%
HK$37,854
baseline
▲ 0.50% · 4.625%
HK$40,158
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,708/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,628
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,691
−HK$1,078/mo
Today · 4.125%
HK$41,769
baseline
▲ 0.50% · 4.625%
HK$43,970
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,538/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,558
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,850
−HK$1,314/mo
Today · 4.125%
HK$44,164
baseline
▲ 0.50% · 4.625%
HK$46,851
+HK$2,687/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,328/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,232
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,472
−HK$1,258/mo
Today · 4.125%
HK$48,730
baseline
▲ 0.50% · 4.625%
HK$51,299
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,460/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,431
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,093
−HK$1,689/mo
Today · 4.125%
HK$56,782
baseline
▲ 0.50% · 4.625%
HK$60,237
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,564/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,442
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,036
−HK$1,617/mo
Today · 4.125%
HK$62,653
baseline
▲ 0.50% · 4.625%
HK$65,956
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,306/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,168 · Scale 2, in force from 26 Feb 2026)