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$29,758
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,684
−HK$940/mo
Today · 4.125%
HK$31,624
baseline
▲ 0.50% · 4.625%
HK$33,548
+HK$1,924/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,248/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,106
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,993
−HK$901/mo
Today · 4.125%
HK$34,894
baseline
▲ 0.50% · 4.625%
HK$36,733
+HK$1,839/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,788/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,710
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,820
−HK$1,129/mo
Today · 4.125%
HK$37,949
baseline
▲ 0.50% · 4.625%
HK$40,258
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,898/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,727
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,792
−HK$1,081/mo
Today · 4.125%
HK$41,873
baseline
▲ 0.50% · 4.625%
HK$44,080
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,746/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,661
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,957
−HK$1,317/mo
Today · 4.125%
HK$44,274
baseline
▲ 0.50% · 4.625%
HK$46,968
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,548/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,348
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,591
−HK$1,261/mo
Today · 4.125%
HK$48,852
baseline
▲ 0.50% · 4.625%
HK$51,427
+HK$2,575/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,704/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,564
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,231
−HK$1,692/mo
Today · 4.125%
HK$56,923
baseline
▲ 0.50% · 4.625%
HK$60,387
+HK$3,464/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,846/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,590
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,188
−HK$1,621/mo
Today · 4.125%
HK$62,809
baseline
▲ 0.50% · 4.625%
HK$66,120
+HK$3,311/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,618/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,387 · Scale 2, in force from 26 Feb 2026)