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$29,736
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,661
−HK$939/mo
Today · 4.125%
HK$31,600
baseline
▲ 0.50% · 4.625%
HK$33,523
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,200/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,081
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,968
−HK$900/mo
Today · 4.125%
HK$34,868
baseline
▲ 0.50% · 4.625%
HK$36,706
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,736/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,683
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,793
−HK$1,128/mo
Today · 4.125%
HK$37,921
baseline
▲ 0.50% · 4.625%
HK$40,228
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,842/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,697
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,762
−HK$1,080/mo
Today · 4.125%
HK$41,842
baseline
▲ 0.50% · 4.625%
HK$44,047
+HK$2,205/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,684/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,630
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,925
−HK$1,316/mo
Today · 4.125%
HK$44,241
baseline
▲ 0.50% · 4.625%
HK$46,933
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,482/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,313
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,555
−HK$1,260/mo
Today · 4.125%
HK$48,815
baseline
▲ 0.50% · 4.625%
HK$51,388
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,630/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,524
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,189
−HK$1,692/mo
Today · 4.125%
HK$56,881
baseline
▲ 0.50% · 4.625%
HK$60,342
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,762/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,545
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,142
−HK$1,620/mo
Today · 4.125%
HK$62,762
baseline
▲ 0.50% · 4.625%
HK$66,071
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,524/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,020 · Scale 2, in force from 26 Feb 2026)