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$29,762
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,687
−HK$941/mo
Today · 4.125%
HK$31,628
baseline
▲ 0.50% · 4.625%
HK$33,552
+HK$1,924/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,256/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,110
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,997
−HK$901/mo
Today · 4.125%
HK$34,898
baseline
▲ 0.50% · 4.625%
HK$36,738
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,796/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,714
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$1,129/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$40,263
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,731
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,797
−HK$1,081/mo
Today · 4.125%
HK$41,878
baseline
▲ 0.50% · 4.625%
HK$44,085
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,756/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,666
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,962
−HK$1,317/mo
Today · 4.125%
HK$44,279
baseline
▲ 0.50% · 4.625%
HK$46,973
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,558/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,353
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,596
−HK$1,262/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,433
+HK$2,575/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,571
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,237
−HK$1,693/mo
Today · 4.125%
HK$56,930
baseline
▲ 0.50% · 4.625%
HK$60,394
+HK$3,464/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,860/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,597
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,195
−HK$1,622/mo
Today · 4.125%
HK$62,817
baseline
▲ 0.50% · 4.625%
HK$66,128
+HK$3,311/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,634/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,446 · Scale 2, in force from 26 Feb 2026)