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$29,702
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,625
−HK$939/mo
Today · 4.125%
HK$31,564
baseline
▲ 0.50% · 4.625%
HK$33,485
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,128/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,043
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,929
−HK$899/mo
Today · 4.125%
HK$34,828
baseline
▲ 0.50% · 4.625%
HK$36,664
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,656/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,642
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,750
−HK$1,127/mo
Today · 4.125%
HK$37,877
baseline
▲ 0.50% · 4.625%
HK$40,182
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,754/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,651
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,715
−HK$1,078/mo
Today · 4.125%
HK$41,793
baseline
▲ 0.50% · 4.625%
HK$43,996
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,586/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,582
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,876
−HK$1,314/mo
Today · 4.125%
HK$44,190
baseline
▲ 0.50% · 4.625%
HK$46,879
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,380/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,260
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,500
−HK$1,259/mo
Today · 4.125%
HK$48,759
baseline
▲ 0.50% · 4.625%
HK$51,329
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,518/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,463
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,126
−HK$1,689/mo
Today · 4.125%
HK$56,815
baseline
▲ 0.50% · 4.625%
HK$60,272
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,630/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,477
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,072
−HK$1,618/mo
Today · 4.125%
HK$62,690
baseline
▲ 0.50% · 4.625%
HK$65,995
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,380/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,457 · Scale 2, in force from 26 Feb 2026)