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$29,769
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,695
−HK$941/mo
Today · 4.125%
HK$31,636
baseline
▲ 0.50% · 4.625%
HK$33,561
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,272/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,118
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,006
−HK$901/mo
Today · 4.125%
HK$34,907
baseline
▲ 0.50% · 4.625%
HK$36,747
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,814/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,723
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,834
−HK$1,129/mo
Today · 4.125%
HK$37,963
baseline
▲ 0.50% · 4.625%
HK$40,273
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,926/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,742
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,808
−HK$1,081/mo
Today · 4.125%
HK$41,889
baseline
▲ 0.50% · 4.625%
HK$44,097
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,778/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,677
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,973
−HK$1,318/mo
Today · 4.125%
HK$44,291
baseline
▲ 0.50% · 4.625%
HK$46,986
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,582/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,365
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,609
−HK$1,261/mo
Today · 4.125%
HK$48,870
baseline
▲ 0.50% · 4.625%
HK$51,446
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,740/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,585
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,252
−HK$1,693/mo
Today · 4.125%
HK$56,945
baseline
▲ 0.50% · 4.625%
HK$60,410
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,890/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,613
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,211
−HK$1,622/mo
Today · 4.125%
HK$62,833
baseline
▲ 0.50% · 4.625%
HK$66,145
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,666/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,572 · Scale 2, in force from 26 Feb 2026)