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$29,723
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,648
−HK$939/mo
Today · 4.125%
HK$31,587
baseline
▲ 0.50% · 4.625%
HK$33,509
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,174/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,067
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,954
−HK$899/mo
Today · 4.125%
HK$34,853
baseline
▲ 0.50% · 4.625%
HK$36,691
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,706/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,668
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,778
−HK$1,127/mo
Today · 4.125%
HK$37,905
baseline
▲ 0.50% · 4.625%
HK$40,211
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,810/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,680
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,745
−HK$1,079/mo
Today · 4.125%
HK$41,824
baseline
▲ 0.50% · 4.625%
HK$44,029
+HK$2,205/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,648/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,613
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,907
−HK$1,315/mo
Today · 4.125%
HK$44,222
baseline
▲ 0.50% · 4.625%
HK$46,913
+HK$2,691/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,444/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,294
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,535
−HK$1,260/mo
Today · 4.125%
HK$48,795
baseline
▲ 0.50% · 4.625%
HK$51,367
+HK$2,572/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,590/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,502
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,166
−HK$1,691/mo
Today · 4.125%
HK$56,857
baseline
▲ 0.50% · 4.625%
HK$60,317
+HK$3,460/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,714/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,521
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,117
−HK$1,619/mo
Today · 4.125%
HK$62,736
baseline
▲ 0.50% · 4.625%
HK$66,043
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,472/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,817 · Scale 2, in force from 26 Feb 2026)