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$29,720
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,644
−HK$940/mo
Today · 4.125%
HK$31,584
baseline
▲ 0.50% · 4.625%
HK$33,506
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,168/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,063
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,950
−HK$900/mo
Today · 4.125%
HK$34,850
baseline
▲ 0.50% · 4.625%
HK$36,687
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,700/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,664
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,773
−HK$1,127/mo
Today · 4.125%
HK$37,900
baseline
▲ 0.50% · 4.625%
HK$40,207
+HK$2,307/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,800/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,676
−HK$2,143/mo
▼ 0.25% · 3.875%
HK$40,740
−HK$1,079/mo
Today · 4.125%
HK$41,819
baseline
▲ 0.50% · 4.625%
HK$44,024
+HK$2,205/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,638/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,608
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,902
−HK$1,315/mo
Today · 4.125%
HK$44,217
baseline
▲ 0.50% · 4.625%
HK$46,908
+HK$2,691/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,434/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,289
−HK$2,500/mo
▼ 0.25% · 3.875%
HK$47,530
−HK$1,259/mo
Today · 4.125%
HK$48,789
baseline
▲ 0.50% · 4.625%
HK$51,361
+HK$2,572/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,578/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,496
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,160
−HK$1,691/mo
Today · 4.125%
HK$56,851
baseline
▲ 0.50% · 4.625%
HK$60,310
+HK$3,459/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,702/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,514
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,110
−HK$1,619/mo
Today · 4.125%
HK$62,729
baseline
▲ 0.50% · 4.625%
HK$66,036
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,458/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,762 · Scale 2, in force from 26 Feb 2026)