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$29,692
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$938/mo
Today · 4.125%
HK$31,554
baseline
▲ 0.50% · 4.625%
HK$33,474
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,108/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,032
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,918
−HK$899/mo
Today · 4.125%
HK$34,817
baseline
▲ 0.50% · 4.625%
HK$36,652
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,634/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,631
−HK$2,234/mo
▼ 0.25% · 3.875%
HK$36,739
−HK$1,126/mo
Today · 4.125%
HK$37,865
baseline
▲ 0.50% · 4.625%
HK$40,169
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,730/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,639
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,702
−HK$1,078/mo
Today · 4.125%
HK$41,780
baseline
▲ 0.50% · 4.625%
HK$43,983
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,560/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,569
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,862
−HK$1,314/mo
Today · 4.125%
HK$44,176
baseline
▲ 0.50% · 4.625%
HK$46,864
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,352/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,245
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,486
−HK$1,258/mo
Today · 4.125%
HK$48,744
baseline
▲ 0.50% · 4.625%
HK$51,313
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,488/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,446
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,108
−HK$1,690/mo
Today · 4.125%
HK$56,798
baseline
▲ 0.50% · 4.625%
HK$60,254
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,596/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,458
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,053
−HK$1,617/mo
Today · 4.125%
HK$62,670
baseline
▲ 0.50% · 4.625%
HK$65,974
+HK$3,304/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,340/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,305 · Scale 2, in force from 26 Feb 2026)