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$29,764
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,690
−HK$940/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,112
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$901/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$36,741
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,717
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,828
−HK$1,128/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,734
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,800
−HK$1,081/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,089
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,669
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,966
−HK$1,317/mo
Today · 4.125%
HK$44,283
baseline
▲ 0.50% · 4.625%
HK$46,977
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,566/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,357
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,261/mo
Today · 4.125%
HK$48,861
baseline
▲ 0.50% · 4.625%
HK$51,437
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,722/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,575
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,242
−HK$1,693/mo
Today · 4.125%
HK$56,935
baseline
▲ 0.50% · 4.625%
HK$60,399
+HK$3,464/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,870/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,602
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,200
−HK$1,622/mo
Today · 4.125%
HK$62,822
baseline
▲ 0.50% · 4.625%
HK$66,133
+HK$3,311/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,644/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,484 · Scale 2, in force from 26 Feb 2026)