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$29,703
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,627
−HK$938/mo
Today · 4.125%
HK$31,565
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,130/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,044
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,930
−HK$899/mo
Today · 4.125%
HK$34,829
baseline
▲ 0.50% · 4.625%
HK$36,665
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,658/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,643
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$1,126/mo
Today · 4.125%
HK$37,878
baseline
▲ 0.50% · 4.625%
HK$40,183
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,756/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,653
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,716
−HK$1,079/mo
Today · 4.125%
HK$41,795
baseline
▲ 0.50% · 4.625%
HK$43,998
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,590/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,584
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,877
−HK$1,314/mo
Today · 4.125%
HK$44,191
baseline
▲ 0.50% · 4.625%
HK$46,880
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,382/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,261
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,502
−HK$1,259/mo
Today · 4.125%
HK$48,761
baseline
▲ 0.50% · 4.625%
HK$51,331
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,522/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,465
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,128
−HK$1,689/mo
Today · 4.125%
HK$56,817
baseline
▲ 0.50% · 4.625%
HK$60,275
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,634/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,479
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,074
−HK$1,618/mo
Today · 4.125%
HK$62,692
baseline
▲ 0.50% · 4.625%
HK$65,997
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,384/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,475 · Scale 2, in force from 26 Feb 2026)