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$29,699
−HK$1,862/mo
▼ 0.25% · 3.875%
HK$30,623
−HK$938/mo
Today · 4.125%
HK$31,561
baseline
▲ 0.50% · 4.625%
HK$33,482
+HK$1,921/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$63,122/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,040
−HK$1,785/mo
▼ 0.25% · 3.875%
HK$33,926
−HK$899/mo
Today · 4.125%
HK$34,825
baseline
▲ 0.50% · 4.625%
HK$36,660
+HK$1,835/mo
Deposit HK$6.51M · loan HK$6.51M · min. income ≈ HK$69,650/mo (50% DSR)
Upfront cash ≈ HK$7.00M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,639
−HK$2,235/mo
▼ 0.25% · 3.875%
HK$36,747
−HK$1,127/mo
Today · 4.125%
HK$37,874
baseline
▲ 0.50% · 4.625%
HK$40,178
+HK$2,304/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$75,748/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,648
−HK$2,142/mo
▼ 0.25% · 3.875%
HK$40,711
−HK$1,079/mo
Today · 4.125%
HK$41,790
baseline
▲ 0.50% · 4.625%
HK$43,992
+HK$2,202/mo
Deposit HK$5.21M · loan HK$7.81M · min. income ≈ HK$83,580/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,578
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,872
−HK$1,314/mo
Today · 4.125%
HK$44,186
baseline
▲ 0.50% · 4.625%
HK$46,874
+HK$2,688/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,372/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,256
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,496
−HK$1,259/mo
Today · 4.125%
HK$48,755
baseline
▲ 0.50% · 4.625%
HK$51,325
+HK$2,570/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,510/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,458
−HK$3,352/mo
▼ 0.25% · 3.875%
HK$55,121
−HK$1,689/mo
Today · 4.125%
HK$56,810
baseline
▲ 0.50% · 4.625%
HK$60,267
+HK$3,457/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$113,620/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,471
−HK$3,214/mo
▼ 0.25% · 3.875%
HK$61,066
−HK$1,619/mo
Today · 4.125%
HK$62,685
baseline
▲ 0.50% · 4.625%
HK$65,989
+HK$3,304/mo
Deposit HK$1.30M · loan HK$11.72M · min. income ≈ HK$125,370/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,414 · Scale 2, in force from 26 Feb 2026)