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$29,681
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,605
−HK$938/mo
Today · 4.125%
HK$31,543
baseline
▲ 0.50% · 4.625%
HK$33,462
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,086/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,020
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,906
−HK$898/mo
Today · 4.125%
HK$34,804
baseline
▲ 0.50% · 4.625%
HK$36,639
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,608/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,618
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,726
−HK$1,125/mo
Today · 4.125%
HK$37,851
baseline
▲ 0.50% · 4.625%
HK$40,154
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,702/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,624
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,687
−HK$1,078/mo
Today · 4.125%
HK$41,765
baseline
▲ 0.50% · 4.625%
HK$43,967
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,530/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,554
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,847
−HK$1,313/mo
Today · 4.125%
HK$44,160
baseline
▲ 0.50% · 4.625%
HK$46,847
+HK$2,687/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,320/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,228
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,468
−HK$1,258/mo
Today · 4.125%
HK$48,726
baseline
▲ 0.50% · 4.625%
HK$51,294
+HK$2,568/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,452/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,427
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,689/mo
Today · 4.125%
HK$56,777
baseline
▲ 0.50% · 4.625%
HK$60,232
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,554/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,436
−HK$3,212/mo
▼ 0.25% · 3.875%
HK$61,031
−HK$1,617/mo
Today · 4.125%
HK$62,648
baseline
▲ 0.50% · 4.625%
HK$65,950
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,296/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,126 · Scale 2, in force from 26 Feb 2026)