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$29,788
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$942/mo
Today · 4.125%
HK$31,656
baseline
▲ 0.50% · 4.625%
HK$33,582
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,312/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,139
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$902/mo
Today · 4.125%
HK$34,929
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,858/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$1,130/mo
Today · 4.125%
HK$37,987
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,311/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,974/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,766
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,833
−HK$1,082/mo
Today · 4.125%
HK$41,915
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,209/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,830/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,703
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,318/mo
Today · 4.125%
HK$44,318
baseline
▲ 0.50% · 4.625%
HK$47,015
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,636/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,394
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,263/mo
Today · 4.125%
HK$48,901
baseline
▲ 0.50% · 4.625%
HK$51,478
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,802/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,618
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,286
−HK$1,694/mo
Today · 4.125%
HK$56,980
baseline
▲ 0.50% · 4.625%
HK$60,447
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,960/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,650
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,249
−HK$1,623/mo
Today · 4.125%
HK$62,872
baseline
▲ 0.50% · 4.625%
HK$66,186
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,744/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,876 · Scale 2, in force from 26 Feb 2026)