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$29,748
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,674
−HK$940/mo
Today · 4.125%
HK$31,614
baseline
▲ 0.50% · 4.625%
HK$33,537
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,228/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,095
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,982
−HK$901/mo
Today · 4.125%
HK$34,883
baseline
▲ 0.50% · 4.625%
HK$36,721
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,766/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,698
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,808
−HK$1,128/mo
Today · 4.125%
HK$37,936
baseline
▲ 0.50% · 4.625%
HK$40,245
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,872/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,713
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,779
−HK$1,080/mo
Today · 4.125%
HK$41,859
baseline
▲ 0.50% · 4.625%
HK$44,066
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,718/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,647
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,943
−HK$1,316/mo
Today · 4.125%
HK$44,259
baseline
▲ 0.50% · 4.625%
HK$46,952
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,518/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,332
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,575
−HK$1,261/mo
Today · 4.125%
HK$48,836
baseline
▲ 0.50% · 4.625%
HK$51,410
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,672/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,547
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,212
−HK$1,693/mo
Today · 4.125%
HK$56,905
baseline
▲ 0.50% · 4.625%
HK$60,367
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,810/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,570
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,168
−HK$1,621/mo
Today · 4.125%
HK$62,789
baseline
▲ 0.50% · 4.625%
HK$66,098
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,578/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,225 · Scale 2, in force from 26 Feb 2026)