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$29,757
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,683
−HK$940/mo
Today · 4.125%
HK$31,623
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,925/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,246/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,105
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,993
−HK$900/mo
Today · 4.125%
HK$34,893
baseline
▲ 0.50% · 4.625%
HK$36,732
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,786/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,709
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,819
−HK$1,129/mo
Today · 4.125%
HK$37,948
baseline
▲ 0.50% · 4.625%
HK$40,257
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,896/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,726
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,791
−HK$1,081/mo
Today · 4.125%
HK$41,872
baseline
▲ 0.50% · 4.625%
HK$44,079
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,744/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,660
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,956
−HK$1,317/mo
Today · 4.125%
HK$44,273
baseline
▲ 0.50% · 4.625%
HK$46,967
+HK$2,694/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,546/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,347
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,590
−HK$1,260/mo
Today · 4.125%
HK$48,850
baseline
▲ 0.50% · 4.625%
HK$51,425
+HK$2,575/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,700/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,563
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,229
−HK$1,693/mo
Today · 4.125%
HK$56,922
baseline
▲ 0.50% · 4.625%
HK$60,386
+HK$3,464/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,844/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,588
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,187
−HK$1,621/mo
Today · 4.125%
HK$62,808
baseline
▲ 0.50% · 4.625%
HK$66,118
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,616/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,374 · Scale 2, in force from 26 Feb 2026)