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$1,866/mo
▼ 0.25% · 3.875%
HK$30,669
−HK$940/mo
Today · 4.125%
HK$31,609
baseline
▲ 0.50% · 4.625%
HK$33,532
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,218/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,089
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$900/mo
Today · 4.125%
HK$34,877
baseline
▲ 0.50% · 4.625%
HK$36,715
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,754/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,692
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,802
−HK$1,128/mo
Today · 4.125%
HK$37,930
baseline
▲ 0.50% · 4.625%
HK$40,238
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,860/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,707
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,772
−HK$1,080/mo
Today · 4.125%
HK$41,852
baseline
▲ 0.50% · 4.625%
HK$44,059
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,704/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,641
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,936
−HK$1,316/mo
Today · 4.125%
HK$44,252
baseline
▲ 0.50% · 4.625%
HK$46,945
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,504/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,325
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,567
−HK$1,261/mo
Today · 4.125%
HK$48,828
baseline
▲ 0.50% · 4.625%
HK$51,402
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,656/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,538
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,204
−HK$1,692/mo
Today · 4.125%
HK$56,896
baseline
▲ 0.50% · 4.625%
HK$60,358
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,792/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,561
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,158
−HK$1,621/mo
Today · 4.125%
HK$62,779
baseline
▲ 0.50% · 4.625%
HK$66,088
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,558/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,147 · Scale 2, in force from 26 Feb 2026)