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$29,714
−HK$1,863/mo
▼ 0.25% · 3.875%
HK$30,638
−HK$939/mo
Today · 4.125%
HK$31,577
baseline
▲ 0.50% · 4.625%
HK$33,498
+HK$1,921/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,154/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,056
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,943
−HK$899/mo
Today · 4.125%
HK$34,842
baseline
▲ 0.50% · 4.625%
HK$36,679
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,684/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,656
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,766
−HK$1,126/mo
Today · 4.125%
HK$37,892
baseline
▲ 0.50% · 4.625%
HK$40,198
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,784/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,667
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,731
−HK$1,080/mo
Today · 4.125%
HK$41,811
baseline
▲ 0.50% · 4.625%
HK$44,014
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,622/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,599
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,893
−HK$1,315/mo
Today · 4.125%
HK$44,208
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,416/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,279
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,520
−HK$1,259/mo
Today · 4.125%
HK$48,779
baseline
▲ 0.50% · 4.625%
HK$51,350
+HK$2,571/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,558/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,485
−HK$3,354/mo
▼ 0.25% · 3.875%
HK$55,148
−HK$1,691/mo
Today · 4.125%
HK$56,839
baseline
▲ 0.50% · 4.625%
HK$60,297
+HK$3,458/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,678/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,501
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,097
−HK$1,619/mo
Today · 4.125%
HK$62,716
baseline
▲ 0.50% · 4.625%
HK$66,022
+HK$3,306/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,432/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,657 · Scale 2, in force from 26 Feb 2026)