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$29,688
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,612
−HK$938/mo
Today · 4.125%
HK$31,550
baseline
▲ 0.50% · 4.625%
HK$33,470
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,100/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,028
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,914
−HK$898/mo
Today · 4.125%
HK$34,812
baseline
▲ 0.50% · 4.625%
HK$36,647
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,624/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,626
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,734
−HK$1,126/mo
Today · 4.125%
HK$37,860
baseline
▲ 0.50% · 4.625%
HK$40,164
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,720/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,633
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,696
−HK$1,079/mo
Today · 4.125%
HK$41,775
baseline
▲ 0.50% · 4.625%
HK$43,977
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,550/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,564
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,856
−HK$1,314/mo
Today · 4.125%
HK$44,170
baseline
▲ 0.50% · 4.625%
HK$46,858
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,340/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,239
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,479
−HK$1,258/mo
Today · 4.125%
HK$48,737
baseline
▲ 0.50% · 4.625%
HK$51,306
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,474/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,439
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,101
−HK$1,689/mo
Today · 4.125%
HK$56,790
baseline
▲ 0.50% · 4.625%
HK$60,246
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,580/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,450
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,045
−HK$1,617/mo
Today · 4.125%
HK$62,662
baseline
▲ 0.50% · 4.625%
HK$65,965
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,324/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,240 · Scale 2, in force from 26 Feb 2026)