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$29,683
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,606
−HK$939/mo
Today · 4.125%
HK$31,545
baseline
▲ 0.50% · 4.625%
HK$33,464
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,090/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,022
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,908
−HK$898/mo
Today · 4.125%
HK$34,806
baseline
▲ 0.50% · 4.625%
HK$36,641
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,612/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,620
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,728
−HK$1,125/mo
Today · 4.125%
HK$37,853
baseline
▲ 0.50% · 4.625%
HK$40,157
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,706/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,627
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,689
−HK$1,079/mo
Today · 4.125%
HK$41,768
baseline
▲ 0.50% · 4.625%
HK$43,969
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,536/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,556
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,849
−HK$1,313/mo
Today · 4.125%
HK$44,162
baseline
▲ 0.50% · 4.625%
HK$46,850
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$88,324/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,231
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,471
−HK$1,258/mo
Today · 4.125%
HK$48,729
baseline
▲ 0.50% · 4.625%
HK$51,297
+HK$2,568/mo
Deposit HK$3.91M · loan HK$9.11M · min. income ≈ HK$97,458/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,430
−HK$3,350/mo
▼ 0.25% · 3.875%
HK$55,092
−HK$1,688/mo
Today · 4.125%
HK$56,780
baseline
▲ 0.50% · 4.625%
HK$60,235
+HK$3,455/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,560/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,440
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,034
−HK$1,617/mo
Today · 4.125%
HK$62,651
baseline
▲ 0.50% · 4.625%
HK$65,954
+HK$3,303/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,302/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,155 · Scale 2, in force from 26 Feb 2026)