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$29,680
−HK$1,861/mo
▼ 0.25% · 3.875%
HK$30,603
−HK$938/mo
Today · 4.125%
HK$31,541
baseline
▲ 0.50% · 4.625%
HK$33,460
+HK$1,919/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,082/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,018
−HK$1,784/mo
▼ 0.25% · 3.875%
HK$33,904
−HK$898/mo
Today · 4.125%
HK$34,802
baseline
▲ 0.50% · 4.625%
HK$36,637
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,604/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,616
−HK$2,233/mo
▼ 0.25% · 3.875%
HK$36,723
−HK$1,126/mo
Today · 4.125%
HK$37,849
baseline
▲ 0.50% · 4.625%
HK$40,152
+HK$2,303/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,698/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,622
−HK$2,141/mo
▼ 0.25% · 3.875%
HK$40,685
−HK$1,078/mo
Today · 4.125%
HK$41,763
baseline
▲ 0.50% · 4.625%
HK$43,964
+HK$2,201/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,526/mo (50% DSR)
Upfront cash ≈ HK$5.69M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,552
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,844
−HK$1,313/mo
Today · 4.125%
HK$44,157
baseline
▲ 0.50% · 4.625%
HK$46,844
+HK$2,687/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$88,314/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,226
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,465
−HK$1,258/mo
Today · 4.125%
HK$48,723
baseline
▲ 0.50% · 4.625%
HK$51,291
+HK$2,568/mo
Deposit HK$3.90M · loan HK$9.11M · min. income ≈ HK$97,446/mo (50% DSR)
Upfront cash ≈ HK$4.39M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,423
−HK$3,351/mo
▼ 0.25% · 3.875%
HK$55,085
−HK$1,689/mo
Today · 4.125%
HK$56,774
baseline
▲ 0.50% · 4.625%
HK$60,228
+HK$3,454/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$113,548/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,433
−HK$3,211/mo
▼ 0.25% · 3.875%
HK$61,027
−HK$1,617/mo
Today · 4.125%
HK$62,644
baseline
▲ 0.50% · 4.625%
HK$65,946
+HK$3,302/mo
Deposit HK$1.30M · loan HK$11.71M · min. income ≈ HK$125,288/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,098 · Scale 2, in force from 26 Feb 2026)