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$29,709
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,633
−HK$939/mo
Today · 4.125%
HK$31,572
baseline
▲ 0.50% · 4.625%
HK$33,493
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,144/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,051
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,938
−HK$899/mo
Today · 4.125%
HK$34,837
baseline
▲ 0.50% · 4.625%
HK$36,673
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,674/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,651
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,760
−HK$1,127/mo
Today · 4.125%
HK$37,887
baseline
▲ 0.50% · 4.625%
HK$40,192
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,774/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,662
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,725
−HK$1,079/mo
Today · 4.125%
HK$41,804
baseline
▲ 0.50% · 4.625%
HK$44,008
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,608/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,593
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,887
−HK$1,314/mo
Today · 4.125%
HK$44,201
baseline
▲ 0.50% · 4.625%
HK$46,891
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,402/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,272
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,513
−HK$1,259/mo
Today · 4.125%
HK$48,772
baseline
▲ 0.50% · 4.625%
HK$51,343
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,544/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,477
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,140
−HK$1,690/mo
Today · 4.125%
HK$56,830
baseline
▲ 0.50% · 4.625%
HK$60,288
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,660/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,492
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,088
−HK$1,618/mo
Today · 4.125%
HK$62,706
baseline
▲ 0.50% · 4.625%
HK$66,012
+HK$3,306/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,412/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,585 · Scale 2, in force from 26 Feb 2026)