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$29,707
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,631
−HK$939/mo
Today · 4.125%
HK$31,570
baseline
▲ 0.50% · 4.625%
HK$33,491
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,140/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,048
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,935
−HK$899/mo
Today · 4.125%
HK$34,834
baseline
▲ 0.50% · 4.625%
HK$36,670
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,668/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,648
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,757
−HK$1,127/mo
Today · 4.125%
HK$37,884
baseline
▲ 0.50% · 4.625%
HK$40,189
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,768/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,658
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,722
−HK$1,079/mo
Today · 4.125%
HK$41,801
baseline
▲ 0.50% · 4.625%
HK$44,004
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,602/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,589
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,883
−HK$1,314/mo
Today · 4.125%
HK$44,197
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,394/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,268
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,509
−HK$1,258/mo
Today · 4.125%
HK$48,767
baseline
▲ 0.50% · 4.625%
HK$51,338
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,534/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,472
−HK$3,353/mo
▼ 0.25% · 3.875%
HK$55,135
−HK$1,690/mo
Today · 4.125%
HK$56,825
baseline
▲ 0.50% · 4.625%
HK$60,283
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,650/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,487
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,083
−HK$1,618/mo
Today · 4.125%
HK$62,701
baseline
▲ 0.50% · 4.625%
HK$66,006
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,402/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,543 · Scale 2, in force from 26 Feb 2026)