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$29,681
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,604
−HK$938/mo
Today · 4.125%
HK$31,542
baseline
▲ 0.50% · 4.625%
HK$33,462
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,084/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,020
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,905
−HK$899/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,638
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,725
−HK$1,126/mo
Today · 4.125%
HK$37,851
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,702/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,624
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,687
−HK$1,078/mo
Today · 4.125%
HK$41,765
baseline
▲ 0.50% · 4.625%
HK$43,966
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,530/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,313/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,846
+HK$2,687/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,228
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,468
−HK$1,257/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,294
+HK$2,569/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,426
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,688/mo
Today · 4.125%
HK$56,776
baseline
▲ 0.50% · 4.625%
HK$60,231
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,552/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,436
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,030
−HK$1,617/mo
Today · 4.125%
HK$62,647
baseline
▲ 0.50% · 4.625%
HK$65,949
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,294/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,121 · Scale 2, in force from 26 Feb 2026)