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$29,678
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,601
−HK$938/mo
Today · 4.125%
HK$31,539
baseline
▲ 0.50% · 4.625%
HK$33,458
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,078/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,016
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,902
−HK$898/mo
Today · 4.125%
HK$34,800
baseline
▲ 0.50% · 4.625%
HK$36,634
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,600/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,613
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,721
−HK$1,126/mo
Today · 4.125%
HK$37,847
baseline
▲ 0.50% · 4.625%
HK$40,150
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,694/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,620
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,682
−HK$1,078/mo
Today · 4.125%
HK$41,760
baseline
▲ 0.50% · 4.625%
HK$43,961
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,520/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,549
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,841
−HK$1,314/mo
Today · 4.125%
HK$44,155
baseline
▲ 0.50% · 4.625%
HK$46,841
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,310/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,223
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,463
−HK$1,257/mo
Today · 4.125%
HK$48,720
baseline
▲ 0.50% · 4.625%
HK$51,288
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,440/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,420
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,082
−HK$1,688/mo
Today · 4.125%
HK$56,770
baseline
▲ 0.50% · 4.625%
HK$60,224
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,540/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,429
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,023
−HK$1,617/mo
Today · 4.125%
HK$62,640
baseline
▲ 0.50% · 4.625%
HK$65,942
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,280/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,069 · Scale 2, in force from 26 Feb 2026)