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$29,743
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,668
−HK$940/mo
Today · 4.125%
HK$31,608
baseline
▲ 0.50% · 4.625%
HK$33,531
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,216/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,976
−HK$900/mo
Today · 4.125%
HK$34,876
baseline
▲ 0.50% · 4.625%
HK$36,714
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,752/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,691
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,801
−HK$1,128/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$40,237
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,706
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,771
−HK$1,080/mo
Today · 4.125%
HK$41,851
baseline
▲ 0.50% · 4.625%
HK$44,057
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,702/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,640
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,935
−HK$1,316/mo
Today · 4.125%
HK$44,251
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,502/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,324
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,566
−HK$1,260/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,400
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,537
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,202
−HK$1,692/mo
Today · 4.125%
HK$56,894
baseline
▲ 0.50% · 4.625%
HK$60,356
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,788/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,559
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,156
−HK$1,621/mo
Today · 4.125%
HK$62,777
baseline
▲ 0.50% · 4.625%
HK$66,086
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,554/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,133 · Scale 2, in force from 26 Feb 2026)