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$29,690
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,613
−HK$939/mo
Today · 4.125%
HK$31,552
baseline
▲ 0.50% · 4.625%
HK$33,472
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,104/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,030
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,916
−HK$898/mo
Today · 4.125%
HK$34,814
baseline
▲ 0.50% · 4.625%
HK$36,649
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,628/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,628
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,736
−HK$1,126/mo
Today · 4.125%
HK$37,862
baseline
▲ 0.50% · 4.625%
HK$40,166
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,724/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,636
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,699
−HK$1,078/mo
Today · 4.125%
HK$41,777
baseline
▲ 0.50% · 4.625%
HK$43,979
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,554/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,566
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,859
−HK$1,313/mo
Today · 4.125%
HK$44,172
baseline
▲ 0.50% · 4.625%
HK$46,860
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,344/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,242
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,482
−HK$1,258/mo
Today · 4.125%
HK$48,740
baseline
▲ 0.50% · 4.625%
HK$51,309
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,480/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,442
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,104
−HK$1,689/mo
Today · 4.125%
HK$56,793
baseline
▲ 0.50% · 4.625%
HK$60,249
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,586/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,454
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,048
−HK$1,618/mo
Today · 4.125%
HK$62,666
baseline
▲ 0.50% · 4.625%
HK$65,969
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,332/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,267 · Scale 2, in force from 26 Feb 2026)