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$29,693
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,616
−HK$939/mo
Today · 4.125%
HK$31,555
baseline
▲ 0.50% · 4.625%
HK$33,475
+HK$1,920/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,110/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,033
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,919
−HK$899/mo
Today · 4.125%
HK$34,818
baseline
▲ 0.50% · 4.625%
HK$36,653
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,636/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,631
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,740
−HK$1,126/mo
Today · 4.125%
HK$37,866
baseline
▲ 0.50% · 4.625%
HK$40,170
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,732/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,640
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,703
−HK$1,078/mo
Today · 4.125%
HK$41,781
baseline
▲ 0.50% · 4.625%
HK$43,984
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,562/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,570
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,863
−HK$1,314/mo
Today · 4.125%
HK$44,177
baseline
▲ 0.50% · 4.625%
HK$46,865
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,354/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,246
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,487
−HK$1,258/mo
Today · 4.125%
HK$48,745
baseline
▲ 0.50% · 4.625%
HK$51,314
+HK$2,569/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,490/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,447
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,110
−HK$1,689/mo
Today · 4.125%
HK$56,799
baseline
▲ 0.50% · 4.625%
HK$60,255
+HK$3,456/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,598/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,459
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,054
−HK$1,618/mo
Today · 4.125%
HK$62,672
baseline
▲ 0.50% · 4.625%
HK$65,975
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,344/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,315 · Scale 2, in force from 26 Feb 2026)