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$29,758
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$941/mo
Today · 4.125%
HK$31,625
baseline
▲ 0.50% · 4.625%
HK$33,549
+HK$1,924/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,250/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,994
−HK$901/mo
Today · 4.125%
HK$34,895
baseline
▲ 0.50% · 4.625%
HK$36,734
+HK$1,839/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,790/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,821
−HK$1,128/mo
Today · 4.125%
HK$37,949
baseline
▲ 0.50% · 4.625%
HK$40,259
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,898/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,727
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,793
−HK$1,080/mo
Today · 4.125%
HK$41,873
baseline
▲ 0.50% · 4.625%
HK$44,081
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,746/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,662
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,958
−HK$1,316/mo
Today · 4.125%
HK$44,274
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,548/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,348
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,591
−HK$1,261/mo
Today · 4.125%
HK$48,852
baseline
▲ 0.50% · 4.625%
HK$51,427
+HK$2,575/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,704/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,565
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,231
−HK$1,693/mo
Today · 4.125%
HK$56,924
baseline
▲ 0.50% · 4.625%
HK$60,388
+HK$3,464/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,848/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,591
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,189
−HK$1,621/mo
Today · 4.125%
HK$62,810
baseline
▲ 0.50% · 4.625%
HK$66,121
+HK$3,311/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,620/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,393 · Scale 2, in force from 26 Feb 2026)