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$29,711
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,635
−HK$939/mo
Today · 4.125%
HK$31,574
baseline
▲ 0.50% · 4.625%
HK$33,495
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,148/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,053
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,940
−HK$899/mo
Today · 4.125%
HK$34,839
baseline
▲ 0.50% · 4.625%
HK$36,675
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,678/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,653
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,762
−HK$1,127/mo
Today · 4.125%
HK$37,889
baseline
▲ 0.50% · 4.625%
HK$40,194
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,778/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,664
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,727
−HK$1,080/mo
Today · 4.125%
HK$41,807
baseline
▲ 0.50% · 4.625%
HK$44,010
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,614/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,595
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,889
−HK$1,315/mo
Today · 4.125%
HK$44,204
baseline
▲ 0.50% · 4.625%
HK$46,893
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,408/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,274
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,515
−HK$1,259/mo
Today · 4.125%
HK$48,774
baseline
▲ 0.50% · 4.625%
HK$51,345
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,548/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,480
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,143
−HK$1,690/mo
Today · 4.125%
HK$56,833
baseline
▲ 0.50% · 4.625%
HK$60,291
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,666/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,496
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,091
−HK$1,619/mo
Today · 4.125%
HK$62,710
baseline
▲ 0.50% · 4.625%
HK$66,015
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,420/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,611 · Scale 2, in force from 26 Feb 2026)