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$29,668
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,591
−HK$937/mo
Today · 4.125%
HK$31,528
baseline
▲ 0.50% · 4.625%
HK$33,447
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,056/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,005
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,891
−HK$898/mo
Today · 4.125%
HK$34,789
baseline
▲ 0.50% · 4.625%
HK$36,622
+HK$1,833/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,578/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,602
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,709
−HK$1,125/mo
Today · 4.125%
HK$37,834
baseline
▲ 0.50% · 4.625%
HK$40,136
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$75,668/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,606
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,669
−HK$1,077/mo
Today · 4.125%
HK$41,746
baseline
▲ 0.50% · 4.625%
HK$43,947
+HK$2,201/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$83,492/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,535
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,827
−HK$1,313/mo
Today · 4.125%
HK$44,140
baseline
▲ 0.50% · 4.625%
HK$46,826
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,280/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,207
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,447
−HK$1,257/mo
Today · 4.125%
HK$48,704
baseline
▲ 0.50% · 4.625%
HK$51,271
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,408/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,402
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,063
−HK$1,688/mo
Today · 4.125%
HK$56,751
baseline
▲ 0.50% · 4.625%
HK$60,204
+HK$3,453/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,502/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,410
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$61,003
−HK$1,616/mo
Today · 4.125%
HK$62,619
baseline
▲ 0.50% · 4.625%
HK$65,920
+HK$3,301/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,238/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,906 · Scale 2, in force from 26 Feb 2026)