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$33,461
+HK$1,919/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$488,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,019
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,905
−HK$898/mo
Today · 4.125%
HK$34,803
baseline
▲ 0.50% · 4.625%
HK$36,638
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,606/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,617
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,725
−HK$1,125/mo
Today · 4.125%
HK$37,850
baseline
▲ 0.50% · 4.625%
HK$40,153
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,700/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,623
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,686
−HK$1,078/mo
Today · 4.125%
HK$41,764
baseline
▲ 0.50% · 4.625%
HK$43,965
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,528/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,553
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,845
−HK$1,314/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$488,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,227
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,467
−HK$1,258/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,293
+HK$2,568/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$488,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,425
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,087
−HK$1,688/mo
Today · 4.125%
HK$56,775
baseline
▲ 0.50% · 4.625%
HK$60,230
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,550/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,435
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,029
−HK$1,617/mo
Today · 4.125%
HK$62,646
baseline
▲ 0.50% · 4.625%
HK$65,948
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,292/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,114 · Scale 2, in force from 26 Feb 2026)