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$29,676
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,599
−HK$938/mo
Today · 4.125%
HK$31,537
baseline
▲ 0.50% · 4.625%
HK$33,456
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,074/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,014
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,900
−HK$898/mo
Today · 4.125%
HK$34,798
baseline
▲ 0.50% · 4.625%
HK$36,632
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,596/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,611
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,719
−HK$1,125/mo
Today · 4.125%
HK$37,844
baseline
▲ 0.50% · 4.625%
HK$40,147
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,688/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,617
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,680
−HK$1,077/mo
Today · 4.125%
HK$41,757
baseline
▲ 0.50% · 4.625%
HK$43,959
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,514/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,546
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,839
−HK$1,313/mo
Today · 4.125%
HK$44,152
baseline
▲ 0.50% · 4.625%
HK$46,838
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,304/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,220
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,460
−HK$1,257/mo
Today · 4.125%
HK$48,717
baseline
▲ 0.50% · 4.625%
HK$51,285
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,434/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,417
−HK$3,349/mo
▼ 0.25% · 3.875%
HK$55,078
−HK$1,688/mo
Today · 4.125%
HK$56,766
baseline
▲ 0.50% · 4.625%
HK$60,221
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,532/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,426
−HK$3,210/mo
▼ 0.25% · 3.875%
HK$61,019
−HK$1,617/mo
Today · 4.125%
HK$62,636
baseline
▲ 0.50% · 4.625%
HK$65,938
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,272/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,037 · Scale 2, in force from 26 Feb 2026)