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$29,670
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,593
−HK$938/mo
Today · 4.125%
HK$31,531
baseline
▲ 0.50% · 4.625%
HK$33,450
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,062/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,008
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,893
−HK$898/mo
Today · 4.125%
HK$34,791
baseline
▲ 0.50% · 4.625%
HK$36,625
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,582/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,605
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,712
−HK$1,125/mo
Today · 4.125%
HK$37,837
baseline
▲ 0.50% · 4.625%
HK$40,140
+HK$2,303/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$75,674/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,610
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,672
−HK$1,078/mo
Today · 4.125%
HK$41,750
baseline
▲ 0.50% · 4.625%
HK$43,950
+HK$2,200/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$83,500/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,539
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,831
−HK$1,312/mo
Today · 4.125%
HK$44,143
baseline
▲ 0.50% · 4.625%
HK$46,829
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,286/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,211
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,451
−HK$1,257/mo
Today · 4.125%
HK$48,708
baseline
▲ 0.50% · 4.625%
HK$51,275
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,416/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,407
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,068
−HK$1,688/mo
Today · 4.125%
HK$56,756
baseline
▲ 0.50% · 4.625%
HK$60,209
+HK$3,453/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,512/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,415
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$61,008
−HK$1,616/mo
Today · 4.125%
HK$62,624
baseline
▲ 0.50% · 4.625%
HK$65,926
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,248/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,946 · Scale 2, in force from 26 Feb 2026)