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$29,781
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,707
−HK$941/mo
Today · 4.125%
HK$31,648
baseline
▲ 0.50% · 4.625%
HK$33,574
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,296/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,131
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,019
−HK$902/mo
Today · 4.125%
HK$34,921
baseline
▲ 0.50% · 4.625%
HK$36,761
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,842/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,737
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,848
−HK$1,130/mo
Today · 4.125%
HK$37,978
baseline
▲ 0.50% · 4.625%
HK$40,289
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,956/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,757
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,823
−HK$1,082/mo
Today · 4.125%
HK$41,905
baseline
▲ 0.50% · 4.625%
HK$44,114
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,810/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,693
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,990
−HK$1,318/mo
Today · 4.125%
HK$44,308
baseline
▲ 0.50% · 4.625%
HK$47,004
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,616/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,383
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,627
−HK$1,262/mo
Today · 4.125%
HK$48,889
baseline
▲ 0.50% · 4.625%
HK$51,466
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,778/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,605
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,273
−HK$1,694/mo
Today · 4.125%
HK$56,967
baseline
▲ 0.50% · 4.625%
HK$60,433
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,934/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,635
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,235
−HK$1,622/mo
Today · 4.125%
HK$62,857
baseline
▲ 0.50% · 4.625%
HK$66,171
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,714/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,760 · Scale 2, in force from 26 Feb 2026)