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$29,695
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,618
−HK$939/mo
Today · 4.125%
HK$31,557
baseline
▲ 0.50% · 4.625%
HK$33,477
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,114/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,035
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,921
−HK$899/mo
Today · 4.125%
HK$34,820
baseline
▲ 0.50% · 4.625%
HK$36,655
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,640/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,634
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,742
−HK$1,126/mo
Today · 4.125%
HK$37,868
baseline
▲ 0.50% · 4.625%
HK$40,172
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,736/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,642
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,705
−HK$1,079/mo
Today · 4.125%
HK$41,784
baseline
▲ 0.50% · 4.625%
HK$43,986
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,568/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,572
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,866
−HK$1,313/mo
Today · 4.125%
HK$44,179
baseline
▲ 0.50% · 4.625%
HK$46,868
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,358/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,249
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,489
−HK$1,259/mo
Today · 4.125%
HK$48,748
baseline
▲ 0.50% · 4.625%
HK$51,317
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,496/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,450
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,113
−HK$1,689/mo
Today · 4.125%
HK$56,802
baseline
▲ 0.50% · 4.625%
HK$60,258
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,604/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,463
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,058
−HK$1,617/mo
Today · 4.125%
HK$62,675
baseline
▲ 0.50% · 4.625%
HK$65,979
+HK$3,304/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,350/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,343 · Scale 2, in force from 26 Feb 2026)