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$29,691
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,615
−HK$938/mo
Today · 4.125%
HK$31,553
baseline
▲ 0.50% · 4.625%
HK$33,473
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,106/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,031
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,917
−HK$899/mo
Today · 4.125%
HK$34,816
baseline
▲ 0.50% · 4.625%
HK$36,651
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,632/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,629
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,738
−HK$1,126/mo
Today · 4.125%
HK$37,864
baseline
▲ 0.50% · 4.625%
HK$40,167
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,728/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,637
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,700
−HK$1,079/mo
Today · 4.125%
HK$41,779
baseline
▲ 0.50% · 4.625%
HK$43,981
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,558/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,568
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,860
−HK$1,314/mo
Today · 4.125%
HK$44,174
baseline
▲ 0.50% · 4.625%
HK$46,862
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,348/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,243
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,484
−HK$1,258/mo
Today · 4.125%
HK$48,742
baseline
▲ 0.50% · 4.625%
HK$51,311
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,484/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,444
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,106
−HK$1,689/mo
Today · 4.125%
HK$56,795
baseline
▲ 0.50% · 4.625%
HK$60,251
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,590/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,456
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,050
−HK$1,618/mo
Today · 4.125%
HK$62,668
baseline
▲ 0.50% · 4.625%
HK$65,971
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,336/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,286 · Scale 2, in force from 26 Feb 2026)