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$29,791
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,717
−HK$942/mo
Today · 4.125%
HK$31,659
baseline
▲ 0.50% · 4.625%
HK$33,585
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,318/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,142
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,031
−HK$902/mo
Today · 4.125%
HK$34,933
baseline
▲ 0.50% · 4.625%
HK$36,774
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,866/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,749
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,861
−HK$1,130/mo
Today · 4.125%
HK$37,991
baseline
▲ 0.50% · 4.625%
HK$40,302
+HK$2,311/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,982/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,770
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,837
−HK$1,082/mo
Today · 4.125%
HK$41,919
baseline
▲ 0.50% · 4.625%
HK$44,129
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,838/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,707
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,004
−HK$1,319/mo
Today · 4.125%
HK$44,323
baseline
▲ 0.50% · 4.625%
HK$47,019
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,646/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,399
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,643
−HK$1,263/mo
Today · 4.125%
HK$48,906
baseline
▲ 0.50% · 4.625%
HK$51,483
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,812/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,623
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,291
−HK$1,695/mo
Today · 4.125%
HK$56,986
baseline
▲ 0.50% · 4.625%
HK$60,454
+HK$3,468/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,972/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,656
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,255
−HK$1,624/mo
Today · 4.125%
HK$62,879
baseline
▲ 0.50% · 4.625%
HK$66,193
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,758/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,926 · Scale 2, in force from 26 Feb 2026)