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$29,729
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,653
−HK$940/mo
Today · 4.125%
HK$31,593
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,186/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,073
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$900/mo
Today · 4.125%
HK$34,860
baseline
▲ 0.50% · 4.625%
HK$36,697
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,720/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,675
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,784
−HK$1,128/mo
Today · 4.125%
HK$37,912
baseline
▲ 0.50% · 4.625%
HK$40,218
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,824/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,688
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,752
−HK$1,080/mo
Today · 4.125%
HK$41,832
baseline
▲ 0.50% · 4.625%
HK$44,037
+HK$2,205/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,664/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,620
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,915
−HK$1,315/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,922
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,544
−HK$1,260/mo
Today · 4.125%
HK$48,804
baseline
▲ 0.50% · 4.625%
HK$51,376
+HK$2,572/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,608/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,512
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,176
−HK$1,691/mo
Today · 4.125%
HK$56,867
baseline
▲ 0.50% · 4.625%
HK$60,328
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,734/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,531
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,128
−HK$1,620/mo
Today · 4.125%
HK$62,748
baseline
▲ 0.50% · 4.625%
HK$66,055
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,496/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,905 · Scale 2, in force from 26 Feb 2026)