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$29,744
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,670
−HK$940/mo
Today · 4.125%
HK$31,610
baseline
▲ 0.50% · 4.625%
HK$33,533
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,220/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,090
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,978
−HK$900/mo
Today · 4.125%
HK$34,878
baseline
▲ 0.50% · 4.625%
HK$36,717
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,756/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,693
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,804
−HK$1,128/mo
Today · 4.125%
HK$37,932
baseline
▲ 0.50% · 4.625%
HK$40,240
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,864/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,709
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,773
−HK$1,081/mo
Today · 4.125%
HK$41,854
baseline
▲ 0.50% · 4.625%
HK$44,060
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,708/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,642
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,938
−HK$1,316/mo
Today · 4.125%
HK$44,254
baseline
▲ 0.50% · 4.625%
HK$46,946
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,508/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,327
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,569
−HK$1,260/mo
Today · 4.125%
HK$48,829
baseline
▲ 0.50% · 4.625%
HK$51,403
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,658/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,540
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,205
−HK$1,693/mo
Today · 4.125%
HK$56,898
baseline
▲ 0.50% · 4.625%
HK$60,360
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,796/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,563
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,160
−HK$1,621/mo
Today · 4.125%
HK$62,781
baseline
▲ 0.50% · 4.625%
HK$66,090
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,562/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,164 · Scale 2, in force from 26 Feb 2026)