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$29,685
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,608
−HK$938/mo
Today · 4.125%
HK$31,546
baseline
▲ 0.50% · 4.625%
HK$33,466
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,092/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,024
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,910
−HK$898/mo
Today · 4.125%
HK$34,808
baseline
▲ 0.50% · 4.625%
HK$36,643
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,616/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,622
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,730
−HK$1,126/mo
Today · 4.125%
HK$37,856
baseline
▲ 0.50% · 4.625%
HK$40,159
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,712/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,629
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,692
−HK$1,078/mo
Today · 4.125%
HK$41,770
baseline
▲ 0.50% · 4.625%
HK$43,972
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,540/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,559
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,852
−HK$1,313/mo
Today · 4.125%
HK$44,165
baseline
▲ 0.50% · 4.625%
HK$46,852
+HK$2,687/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,330/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,234
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,474
−HK$1,258/mo
Today · 4.125%
HK$48,732
baseline
▲ 0.50% · 4.625%
HK$51,300
+HK$2,568/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,464/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,433
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,095
−HK$1,689/mo
Today · 4.125%
HK$56,784
baseline
▲ 0.50% · 4.625%
HK$60,239
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,568/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,444
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,038
−HK$1,617/mo
Today · 4.125%
HK$62,655
baseline
▲ 0.50% · 4.625%
HK$65,958
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,310/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,185 · Scale 2, in force from 26 Feb 2026)