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$29,703
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,627
−HK$939/mo
Today · 4.125%
HK$31,566
baseline
▲ 0.50% · 4.625%
HK$33,486
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,132/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,044
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,931
−HK$899/mo
Today · 4.125%
HK$34,830
baseline
▲ 0.50% · 4.625%
HK$36,666
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,660/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,644
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,752
−HK$1,127/mo
Today · 4.125%
HK$37,879
baseline
▲ 0.50% · 4.625%
HK$40,184
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,758/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,653
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,717
−HK$1,079/mo
Today · 4.125%
HK$41,796
baseline
▲ 0.50% · 4.625%
HK$43,999
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,592/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,584
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,878
−HK$1,314/mo
Today · 4.125%
HK$44,192
baseline
▲ 0.50% · 4.625%
HK$46,881
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,384/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,262
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,503
−HK$1,259/mo
Today · 4.125%
HK$48,762
baseline
▲ 0.50% · 4.625%
HK$51,332
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,524/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,466
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,129
−HK$1,689/mo
Today · 4.125%
HK$56,818
baseline
▲ 0.50% · 4.625%
HK$60,276
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,636/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,480
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,075
−HK$1,618/mo
Today · 4.125%
HK$62,693
baseline
▲ 0.50% · 4.625%
HK$65,998
+HK$3,305/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,386/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,483 · Scale 2, in force from 26 Feb 2026)