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$29,756
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,681
−HK$941/mo
Today · 4.125%
HK$31,622
baseline
▲ 0.50% · 4.625%
HK$33,546
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,244/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,103
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,991
−HK$900/mo
Today · 4.125%
HK$34,891
baseline
▲ 0.50% · 4.625%
HK$36,730
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,782/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,707
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,817
−HK$1,129/mo
Today · 4.125%
HK$37,946
baseline
▲ 0.50% · 4.625%
HK$40,255
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,892/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,723
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,789
−HK$1,081/mo
Today · 4.125%
HK$41,870
baseline
▲ 0.50% · 4.625%
HK$44,077
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,740/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,658
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,954
−HK$1,316/mo
Today · 4.125%
HK$44,270
baseline
▲ 0.50% · 4.625%
HK$46,964
+HK$2,694/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,540/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,344
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,587
−HK$1,261/mo
Today · 4.125%
HK$48,848
baseline
▲ 0.50% · 4.625%
HK$51,423
+HK$2,575/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,696/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,560
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,226
−HK$1,693/mo
Today · 4.125%
HK$56,919
baseline
▲ 0.50% · 4.625%
HK$60,382
+HK$3,463/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,838/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,585
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,183
−HK$1,621/mo
Today · 4.125%
HK$62,804
baseline
▲ 0.50% · 4.625%
HK$66,115
+HK$3,311/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,608/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,348 · Scale 2, in force from 26 Feb 2026)