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$29,706
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$939/mo
Today · 4.125%
HK$31,569
baseline
▲ 0.50% · 4.625%
HK$33,490
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,138/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,934
−HK$899/mo
Today · 4.125%
HK$34,833
baseline
▲ 0.50% · 4.625%
HK$36,669
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,666/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,647
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,756
−HK$1,127/mo
Today · 4.125%
HK$37,883
baseline
▲ 0.50% · 4.625%
HK$40,188
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,766/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,657
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,721
−HK$1,079/mo
Today · 4.125%
HK$41,800
baseline
▲ 0.50% · 4.625%
HK$44,003
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,600/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,588
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,882
−HK$1,314/mo
Today · 4.125%
HK$44,196
baseline
▲ 0.50% · 4.625%
HK$46,886
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,392/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,267
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,507
−HK$1,259/mo
Today · 4.125%
HK$48,766
baseline
▲ 0.50% · 4.625%
HK$51,337
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,532/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,471
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,134
−HK$1,690/mo
Today · 4.125%
HK$56,824
baseline
▲ 0.50% · 4.625%
HK$60,281
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,648/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,486
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,081
−HK$1,618/mo
Today · 4.125%
HK$62,699
baseline
▲ 0.50% · 4.625%
HK$66,004
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,398/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,530 · Scale 2, in force from 26 Feb 2026)