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$29,696
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,619
−HK$939/mo
Today · 4.125%
HK$31,558
baseline
▲ 0.50% · 4.625%
HK$33,478
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,116/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,036
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,922
−HK$899/mo
Today · 4.125%
HK$34,821
baseline
▲ 0.50% · 4.625%
HK$36,657
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,642/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,635
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,743
−HK$1,127/mo
Today · 4.125%
HK$37,870
baseline
▲ 0.50% · 4.625%
HK$40,174
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,740/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,643
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,707
−HK$1,078/mo
Today · 4.125%
HK$41,785
baseline
▲ 0.50% · 4.625%
HK$43,988
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,570/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,574
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,867
−HK$1,314/mo
Today · 4.125%
HK$44,181
baseline
▲ 0.50% · 4.625%
HK$46,869
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,362/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,251
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,491
−HK$1,258/mo
Today · 4.125%
HK$48,749
baseline
▲ 0.50% · 4.625%
HK$51,319
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,498/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,452
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,115
−HK$1,689/mo
Today · 4.125%
HK$56,804
baseline
▲ 0.50% · 4.625%
HK$60,261
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,608/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,465
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,060
−HK$1,618/mo
Today · 4.125%
HK$62,678
baseline
▲ 0.50% · 4.625%
HK$65,982
+HK$3,304/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,356/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,363 · Scale 2, in force from 26 Feb 2026)