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$29,752
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$940/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$900/mo
Today · 4.125%
HK$34,887
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,774/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,703
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$1,129/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$40,250
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,719
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,784
−HK$1,081/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,072
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,316/mo
Today · 4.125%
HK$44,265
baseline
▲ 0.50% · 4.625%
HK$46,959
+HK$2,694/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,530/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,339
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,582
−HK$1,260/mo
Today · 4.125%
HK$48,842
baseline
▲ 0.50% · 4.625%
HK$51,417
+HK$2,575/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,684/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,554
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,220
−HK$1,692/mo
Today · 4.125%
HK$56,912
baseline
▲ 0.50% · 4.625%
HK$60,375
+HK$3,463/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,824/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,578
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,176
−HK$1,621/mo
Today · 4.125%
HK$62,797
baseline
▲ 0.50% · 4.625%
HK$66,107
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,594/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,293 · Scale 2, in force from 26 Feb 2026)