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$29,773
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,699
−HK$941/mo
Today · 4.125%
HK$31,640
baseline
▲ 0.50% · 4.625%
HK$33,566
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,280/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,123
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,011
−HK$901/mo
Today · 4.125%
HK$34,912
baseline
▲ 0.50% · 4.625%
HK$36,752
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,824/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,728
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,839
−HK$1,129/mo
Today · 4.125%
HK$37,968
baseline
▲ 0.50% · 4.625%
HK$40,279
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,936/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,747
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,813
−HK$1,081/mo
Today · 4.125%
HK$41,894
baseline
▲ 0.50% · 4.625%
HK$44,103
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,788/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,683
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,318/mo
Today · 4.125%
HK$44,297
baseline
▲ 0.50% · 4.625%
HK$46,992
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,594/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,372
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,615
−HK$1,262/mo
Today · 4.125%
HK$48,877
baseline
▲ 0.50% · 4.625%
HK$51,453
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,754/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,592
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,259
−HK$1,694/mo
Today · 4.125%
HK$56,953
baseline
▲ 0.50% · 4.625%
HK$60,418
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,906/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,621
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,220
−HK$1,622/mo
Today · 4.125%
HK$62,842
baseline
▲ 0.50% · 4.625%
HK$66,154
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,684/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,638 · Scale 2, in force from 26 Feb 2026)