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$29,705
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,629
−HK$938/mo
Today · 4.125%
HK$31,567
baseline
▲ 0.50% · 4.625%
HK$33,488
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,134/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,046
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,932
−HK$899/mo
Today · 4.125%
HK$34,831
baseline
▲ 0.50% · 4.625%
HK$36,667
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,662/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,646
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,754
−HK$1,127/mo
Today · 4.125%
HK$37,881
baseline
▲ 0.50% · 4.625%
HK$40,186
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,762/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,655
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,719
−HK$1,079/mo
Today · 4.125%
HK$41,798
baseline
▲ 0.50% · 4.625%
HK$44,001
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,596/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,586
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,880
−HK$1,314/mo
Today · 4.125%
HK$44,194
baseline
▲ 0.50% · 4.625%
HK$46,883
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,388/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,265
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,505
−HK$1,259/mo
Today · 4.125%
HK$48,764
baseline
▲ 0.50% · 4.625%
HK$51,334
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,528/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,468
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,131
−HK$1,690/mo
Today · 4.125%
HK$56,821
baseline
▲ 0.50% · 4.625%
HK$60,279
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,642/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,483
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,078
−HK$1,619/mo
Today · 4.125%
HK$62,697
baseline
▲ 0.50% · 4.625%
HK$66,001
+HK$3,304/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,394/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,508 · Scale 2, in force from 26 Feb 2026)