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$29,722
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,647
−HK$939/mo
Today · 4.125%
HK$31,586
baseline
▲ 0.50% · 4.625%
HK$33,508
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,172/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,066
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,953
−HK$899/mo
Today · 4.125%
HK$34,852
baseline
▲ 0.50% · 4.625%
HK$36,689
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,704/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,667
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,776
−HK$1,127/mo
Today · 4.125%
HK$37,903
baseline
▲ 0.50% · 4.625%
HK$40,210
+HK$2,307/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,806/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,679
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,743
−HK$1,080/mo
Today · 4.125%
HK$41,823
baseline
▲ 0.50% · 4.625%
HK$44,027
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,646/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,611
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,906
−HK$1,315/mo
Today · 4.125%
HK$44,221
baseline
▲ 0.50% · 4.625%
HK$46,911
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,442/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,292
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,534
−HK$1,259/mo
Today · 4.125%
HK$48,793
baseline
▲ 0.50% · 4.625%
HK$51,365
+HK$2,572/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,586/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,500
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,164
−HK$1,691/mo
Today · 4.125%
HK$56,855
baseline
▲ 0.50% · 4.625%
HK$60,315
+HK$3,460/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,710/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,518
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,115
−HK$1,619/mo
Today · 4.125%
HK$62,734
baseline
▲ 0.50% · 4.625%
HK$66,041
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,468/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,800 · Scale 2, in force from 26 Feb 2026)