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$29,667
−HK$1,860/mo
▼ 0.25% · 3.875%
HK$30,589
−HK$938/mo
Today · 4.125%
HK$31,527
baseline
▲ 0.50% · 4.625%
HK$33,445
+HK$1,918/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,054/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,004
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,889
−HK$898/mo
Today · 4.125%
HK$34,787
baseline
▲ 0.50% · 4.625%
HK$36,620
+HK$1,833/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,574/mo (50% DSR)
Upfront cash ≈ HK$6.99M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,600
−HK$2,232/mo
▼ 0.25% · 3.875%
HK$36,707
−HK$1,125/mo
Today · 4.125%
HK$37,832
baseline
▲ 0.50% · 4.625%
HK$40,134
+HK$2,302/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$75,664/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,604
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,667
−HK$1,077/mo
Today · 4.125%
HK$41,744
baseline
▲ 0.50% · 4.625%
HK$43,945
+HK$2,201/mo
Deposit HK$5.20M · loan HK$7.81M · min. income ≈ HK$83,488/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,533
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,825
−HK$1,313/mo
Today · 4.125%
HK$44,138
baseline
▲ 0.50% · 4.625%
HK$46,823
+HK$2,685/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,276/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,205
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,444
−HK$1,258/mo
Today · 4.125%
HK$48,702
baseline
▲ 0.50% · 4.625%
HK$51,269
+HK$2,567/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,404/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,400
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$55,061
−HK$1,687/mo
Today · 4.125%
HK$56,748
baseline
▲ 0.50% · 4.625%
HK$60,201
+HK$3,453/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,496/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,407
−HK$3,209/mo
▼ 0.25% · 3.875%
HK$61,000
−HK$1,616/mo
Today · 4.125%
HK$62,616
baseline
▲ 0.50% · 4.625%
HK$65,917
+HK$3,301/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,232/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$487,882 · Scale 2, in force from 26 Feb 2026)