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$29,785
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$941/mo
Today · 4.125%
HK$31,653
baseline
▲ 0.50% · 4.625%
HK$33,579
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,306/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,136
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,024
−HK$902/mo
Today · 4.125%
HK$34,926
baseline
▲ 0.50% · 4.625%
HK$36,767
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,852/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,742
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,854
−HK$1,129/mo
Today · 4.125%
HK$37,983
baseline
▲ 0.50% · 4.625%
HK$40,295
+HK$2,312/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,966/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,763
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,829
−HK$1,082/mo
Today · 4.125%
HK$41,911
baseline
▲ 0.50% · 4.625%
HK$44,120
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,822/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,699
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,996
−HK$1,318/mo
Today · 4.125%
HK$44,314
baseline
▲ 0.50% · 4.625%
HK$47,010
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,628/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,390
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,634
−HK$1,262/mo
Today · 4.125%
HK$48,896
baseline
▲ 0.50% · 4.625%
HK$51,474
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,792/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,613
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,281
−HK$1,694/mo
Today · 4.125%
HK$56,975
baseline
▲ 0.50% · 4.625%
HK$60,442
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,950/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,644
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,244
−HK$1,623/mo
Today · 4.125%
HK$62,867
baseline
▲ 0.50% · 4.625%
HK$66,180
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,734/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,832 · Scale 2, in force from 26 Feb 2026)