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$29,771
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,697
−HK$941/mo
Today · 4.125%
HK$31,638
baseline
▲ 0.50% · 4.625%
HK$33,563
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,276/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,120
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,008
−HK$901/mo
Today · 4.125%
HK$34,909
baseline
▲ 0.50% · 4.625%
HK$36,749
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,818/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,725
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,837
−HK$1,129/mo
Today · 4.125%
HK$37,966
baseline
▲ 0.50% · 4.625%
HK$40,276
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,932/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,744
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,810
−HK$1,081/mo
Today · 4.125%
HK$41,891
baseline
▲ 0.50% · 4.625%
HK$44,099
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,782/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,679
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,317/mo
Today · 4.125%
HK$44,293
baseline
▲ 0.50% · 4.625%
HK$46,988
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,586/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,368
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,612
−HK$1,261/mo
Today · 4.125%
HK$48,873
baseline
▲ 0.50% · 4.625%
HK$51,449
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,746/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,588
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,255
−HK$1,693/mo
Today · 4.125%
HK$56,948
baseline
▲ 0.50% · 4.625%
HK$60,414
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,896/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,616
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,215
−HK$1,622/mo
Today · 4.125%
HK$62,837
baseline
▲ 0.50% · 4.625%
HK$66,149
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,674/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,601 · Scale 2, in force from 26 Feb 2026)