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$29,700
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,624
−HK$938/mo
Today · 4.125%
HK$31,562
baseline
▲ 0.50% · 4.625%
HK$33,483
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,124/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,041
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,927
−HK$899/mo
Today · 4.125%
HK$34,826
baseline
▲ 0.50% · 4.625%
HK$36,662
+HK$1,836/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,652/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,640
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,749
−HK$1,126/mo
Today · 4.125%
HK$37,875
baseline
▲ 0.50% · 4.625%
HK$40,180
+HK$2,305/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,750/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,649
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,713
−HK$1,078/mo
Today · 4.125%
HK$41,791
baseline
▲ 0.50% · 4.625%
HK$43,994
+HK$2,203/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,582/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,580
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,873
−HK$1,314/mo
Today · 4.125%
HK$44,187
baseline
▲ 0.50% · 4.625%
HK$46,876
+HK$2,689/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,374/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,257
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,498
−HK$1,258/mo
Today · 4.125%
HK$48,756
baseline
▲ 0.50% · 4.625%
HK$51,326
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,512/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,460
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,123
−HK$1,689/mo
Today · 4.125%
HK$56,812
baseline
▲ 0.50% · 4.625%
HK$60,269
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,624/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,474
−HK$3,213/mo
▼ 0.25% · 3.875%
HK$61,069
−HK$1,618/mo
Today · 4.125%
HK$62,687
baseline
▲ 0.50% · 4.625%
HK$65,991
+HK$3,304/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,374/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,432 · Scale 2, in force from 26 Feb 2026)