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$29,762
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$940/mo
Today · 4.125%
HK$31,628
baseline
▲ 0.50% · 4.625%
HK$33,553
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,256/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,110
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,998
−HK$901/mo
Today · 4.125%
HK$34,899
baseline
▲ 0.50% · 4.625%
HK$36,738
+HK$1,839/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,798/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,714
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,825
−HK$1,129/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$40,263
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,797
−HK$1,081/mo
Today · 4.125%
HK$41,878
baseline
▲ 0.50% · 4.625%
HK$44,086
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,756/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,667
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,963
−HK$1,317/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,974
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,354
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,261/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,433
+HK$2,575/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,571
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,238
−HK$1,693/mo
Today · 4.125%
HK$56,931
baseline
▲ 0.50% · 4.625%
HK$60,395
+HK$3,464/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,862/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,598
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,196
−HK$1,622/mo
Today · 4.125%
HK$62,818
baseline
▲ 0.50% · 4.625%
HK$66,129
+HK$3,311/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,636/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,450 · Scale 2, in force from 26 Feb 2026)