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$29,704
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,628
−HK$939/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,487
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,045
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,931
−HK$900/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,645
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,753
−HK$1,127/mo
Today · 4.125%
HK$37,880
baseline
▲ 0.50% · 4.625%
HK$40,185
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,760/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,654
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,718
−HK$1,079/mo
Today · 4.125%
HK$41,797
baseline
▲ 0.50% · 4.625%
HK$44,000
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,594/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,585
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,879
−HK$1,314/mo
Today · 4.125%
HK$44,193
baseline
▲ 0.50% · 4.625%
HK$46,882
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,386/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,263
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,504
−HK$1,259/mo
Today · 4.125%
HK$48,763
baseline
▲ 0.50% · 4.625%
HK$51,333
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,467
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,130
−HK$1,690/mo
Today · 4.125%
HK$56,820
baseline
▲ 0.50% · 4.625%
HK$60,277
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,640/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,481
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,077
−HK$1,618/mo
Today · 4.125%
HK$62,695
baseline
▲ 0.50% · 4.625%
HK$66,000
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,390/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,495 · Scale 2, in force from 26 Feb 2026)