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$29,714
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,639
−HK$939/mo
Today · 4.125%
HK$31,578
baseline
▲ 0.50% · 4.625%
HK$33,499
+HK$1,921/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,156/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,057
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$900/mo
Today · 4.125%
HK$34,843
baseline
▲ 0.50% · 4.625%
HK$36,679
+HK$1,836/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,686/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,657
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,766
−HK$1,127/mo
Today · 4.125%
HK$37,893
baseline
▲ 0.50% · 4.625%
HK$40,199
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,786/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,668
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,732
−HK$1,079/mo
Today · 4.125%
HK$41,811
baseline
▲ 0.50% · 4.625%
HK$44,015
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,622/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,600
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,894
−HK$1,315/mo
Today · 4.125%
HK$44,209
baseline
▲ 0.50% · 4.625%
HK$46,899
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,418/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,280
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,521
−HK$1,259/mo
Today · 4.125%
HK$48,780
baseline
▲ 0.50% · 4.625%
HK$51,351
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,560/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,486
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,149
−HK$1,691/mo
Today · 4.125%
HK$56,840
baseline
▲ 0.50% · 4.625%
HK$60,298
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,680/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,502
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,098
−HK$1,619/mo
Today · 4.125%
HK$62,717
baseline
▲ 0.50% · 4.625%
HK$66,023
+HK$3,306/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,434/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,667 · Scale 2, in force from 26 Feb 2026)