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$29,731
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,656
−HK$940/mo
Today · 4.125%
HK$31,596
baseline
▲ 0.50% · 4.625%
HK$33,518
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,192/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,076
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,963
−HK$900/mo
Today · 4.125%
HK$34,863
baseline
▲ 0.50% · 4.625%
HK$36,701
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,726/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,678
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,787
−HK$1,128/mo
Today · 4.125%
HK$37,915
baseline
▲ 0.50% · 4.625%
HK$40,222
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,830/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,691
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,756
−HK$1,079/mo
Today · 4.125%
HK$41,835
baseline
▲ 0.50% · 4.625%
HK$44,041
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,670/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,624
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,919
−HK$1,315/mo
Today · 4.125%
HK$44,234
baseline
▲ 0.50% · 4.625%
HK$46,926
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,468/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,306
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,548
−HK$1,260/mo
Today · 4.125%
HK$48,808
baseline
▲ 0.50% · 4.625%
HK$51,381
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,616/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,517
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,181
−HK$1,691/mo
Today · 4.125%
HK$56,872
baseline
▲ 0.50% · 4.625%
HK$60,333
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,744/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,537
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,133
−HK$1,620/mo
Today · 4.125%
HK$62,753
baseline
▲ 0.50% · 4.625%
HK$66,061
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,506/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,949 · Scale 2, in force from 26 Feb 2026)