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$29,717
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,642
−HK$939/mo
Today · 4.125%
HK$31,581
baseline
▲ 0.50% · 4.625%
HK$33,502
+HK$1,921/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,162/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,060
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,947
−HK$899/mo
Today · 4.125%
HK$34,846
baseline
▲ 0.50% · 4.625%
HK$36,683
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,692/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,661
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,770
−HK$1,127/mo
Today · 4.125%
HK$37,897
baseline
▲ 0.50% · 4.625%
HK$40,203
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,794/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,672
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,736
−HK$1,080/mo
Today · 4.125%
HK$41,816
baseline
▲ 0.50% · 4.625%
HK$44,020
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,632/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,604
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,898
−HK$1,315/mo
Today · 4.125%
HK$44,213
baseline
▲ 0.50% · 4.625%
HK$46,903
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,426/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,284
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,526
−HK$1,259/mo
Today · 4.125%
HK$48,785
baseline
▲ 0.50% · 4.625%
HK$51,356
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,570/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,491
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,155
−HK$1,691/mo
Today · 4.125%
HK$56,846
baseline
▲ 0.50% · 4.625%
HK$60,304
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,692/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,508
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,104
−HK$1,619/mo
Today · 4.125%
HK$62,723
baseline
▲ 0.50% · 4.625%
HK$66,030
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,446/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,718 · Scale 2, in force from 26 Feb 2026)