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$29,705
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,630
−HK$938/mo
Today · 4.125%
HK$31,568
baseline
▲ 0.50% · 4.625%
HK$33,489
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,136/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,047
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,933
−HK$899/mo
Today · 4.125%
HK$34,832
baseline
▲ 0.50% · 4.625%
HK$36,669
+HK$1,837/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,664/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,647
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,755
−HK$1,127/mo
Today · 4.125%
HK$37,882
baseline
▲ 0.50% · 4.625%
HK$40,187
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,764/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,656
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,720
−HK$1,079/mo
Today · 4.125%
HK$41,799
baseline
▲ 0.50% · 4.625%
HK$44,002
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,598/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,588
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,881
−HK$1,315/mo
Today · 4.125%
HK$44,196
baseline
▲ 0.50% · 4.625%
HK$46,885
+HK$2,689/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$488,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,266
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,507
−HK$1,258/mo
Today · 4.125%
HK$48,765
baseline
▲ 0.50% · 4.625%
HK$51,336
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,530/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,470
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,133
−HK$1,690/mo
Today · 4.125%
HK$56,823
baseline
▲ 0.50% · 4.625%
HK$60,280
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,646/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,485
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,080
−HK$1,618/mo
Today · 4.125%
HK$62,698
baseline
▲ 0.50% · 4.625%
HK$66,003
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,396/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,523 · Scale 2, in force from 26 Feb 2026)