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$29,675
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,598
−HK$938/mo
Today · 4.125%
HK$31,536
baseline
▲ 0.50% · 4.625%
HK$33,455
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,072/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,013
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,899
−HK$898/mo
Today · 4.125%
HK$34,797
baseline
▲ 0.50% · 4.625%
HK$36,631
+HK$1,834/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,594/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,610
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,718
−HK$1,125/mo
Today · 4.125%
HK$37,843
baseline
▲ 0.50% · 4.625%
HK$40,146
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,686/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,616
−HK$2,140/mo
▼ 0.25% · 3.875%
HK$40,679
−HK$1,077/mo
Today · 4.125%
HK$41,756
baseline
▲ 0.50% · 4.625%
HK$43,957
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,512/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,545
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,838
−HK$1,313/mo
Today · 4.125%
HK$44,151
baseline
▲ 0.50% · 4.625%
HK$46,837
+HK$2,686/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,302/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,219
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,458
−HK$1,258/mo
Today · 4.125%
HK$48,716
baseline
▲ 0.50% · 4.625%
HK$51,284
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,432/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,415
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,077
−HK$1,688/mo
Today · 4.125%
HK$56,765
baseline
▲ 0.50% · 4.625%
HK$60,219
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,530/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,424
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,018
−HK$1,617/mo
Today · 4.125%
HK$62,635
baseline
▲ 0.50% · 4.625%
HK$65,936
+HK$3,301/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,270/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,024 · Scale 2, in force from 26 Feb 2026)