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$29,737
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$940/mo
Today · 4.125%
HK$31,602
baseline
▲ 0.50% · 4.625%
HK$33,525
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,204/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,082
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,970
−HK$900/mo
Today · 4.125%
HK$34,870
baseline
▲ 0.50% · 4.625%
HK$36,708
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,740/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,685
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,795
−HK$1,127/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$40,230
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,699
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,764
−HK$1,080/mo
Today · 4.125%
HK$41,844
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,205/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,688/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,927
−HK$1,316/mo
Today · 4.125%
HK$44,243
baseline
▲ 0.50% · 4.625%
HK$46,935
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,486/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,315
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,558
−HK$1,260/mo
Today · 4.125%
HK$48,818
baseline
▲ 0.50% · 4.625%
HK$51,391
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,636/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,527
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,192
−HK$1,692/mo
Today · 4.125%
HK$56,884
baseline
▲ 0.50% · 4.625%
HK$60,345
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,768/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,548
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,145
−HK$1,621/mo
Today · 4.125%
HK$62,766
baseline
▲ 0.50% · 4.625%
HK$66,074
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,532/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,045 · Scale 2, in force from 26 Feb 2026)