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$29,677
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,600
−HK$938/mo
Today · 4.125%
HK$31,538
baseline
▲ 0.50% · 4.625%
HK$33,457
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,076/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,016
−HK$1,783/mo
▼ 0.25% · 3.875%
HK$33,901
−HK$898/mo
Today · 4.125%
HK$34,799
baseline
▲ 0.50% · 4.625%
HK$36,634
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,598/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,613
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,721
−HK$1,125/mo
Today · 4.125%
HK$37,846
baseline
▲ 0.50% · 4.625%
HK$40,149
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,692/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,619
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,681
−HK$1,078/mo
Today · 4.125%
HK$41,759
baseline
▲ 0.50% · 4.625%
HK$43,961
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,518/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,548
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,841
−HK$1,313/mo
Today · 4.125%
HK$44,154
baseline
▲ 0.50% · 4.625%
HK$46,840
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,308/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,462
−HK$1,257/mo
Today · 4.125%
HK$48,719
baseline
▲ 0.50% · 4.625%
HK$51,287
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,438/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,419
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,081
−HK$1,688/mo
Today · 4.125%
HK$56,769
baseline
▲ 0.50% · 4.625%
HK$60,223
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,538/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,428
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,022
−HK$1,617/mo
Today · 4.125%
HK$62,639
baseline
▲ 0.50% · 4.625%
HK$65,941
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,278/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,059 · Scale 2, in force from 26 Feb 2026)