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$29,741
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,666
−HK$940/mo
Today · 4.125%
HK$31,606
baseline
▲ 0.50% · 4.625%
HK$33,530
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,212/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,087
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,974
−HK$901/mo
Today · 4.125%
HK$34,875
baseline
▲ 0.50% · 4.625%
HK$36,713
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,750/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,690
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,800
−HK$1,128/mo
Today · 4.125%
HK$37,928
baseline
▲ 0.50% · 4.625%
HK$40,235
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,856/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,704
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,769
−HK$1,080/mo
Today · 4.125%
HK$41,849
baseline
▲ 0.50% · 4.625%
HK$44,055
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,698/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,638
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,933
−HK$1,316/mo
Today · 4.125%
HK$44,249
baseline
▲ 0.50% · 4.625%
HK$46,941
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,498/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,322
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,564
−HK$1,260/mo
Today · 4.125%
HK$48,824
baseline
▲ 0.50% · 4.625%
HK$51,398
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,648/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,534
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,200
−HK$1,692/mo
Today · 4.125%
HK$56,892
baseline
▲ 0.50% · 4.625%
HK$60,353
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,784/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,557
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,154
−HK$1,620/mo
Today · 4.125%
HK$62,774
baseline
▲ 0.50% · 4.625%
HK$66,083
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,548/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,113 · Scale 2, in force from 26 Feb 2026)