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$29,728
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,653
−HK$940/mo
Today · 4.125%
HK$31,593
baseline
▲ 0.50% · 4.625%
HK$33,515
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,186/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,073
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,960
−HK$899/mo
Today · 4.125%
HK$34,859
baseline
▲ 0.50% · 4.625%
HK$36,697
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,718/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,674
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,784
−HK$1,127/mo
Today · 4.125%
HK$37,911
baseline
▲ 0.50% · 4.625%
HK$40,218
+HK$2,307/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,822/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,687
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,751
−HK$1,080/mo
Today · 4.125%
HK$41,831
baseline
▲ 0.50% · 4.625%
HK$44,036
+HK$2,205/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,662/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,620
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,914
−HK$1,316/mo
Today · 4.125%
HK$44,230
baseline
▲ 0.50% · 4.625%
HK$46,921
+HK$2,691/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,460/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,302
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,543
−HK$1,260/mo
Today · 4.125%
HK$48,803
baseline
▲ 0.50% · 4.625%
HK$51,376
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,606/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,511
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,176
−HK$1,691/mo
Today · 4.125%
HK$56,867
baseline
▲ 0.50% · 4.625%
HK$60,327
+HK$3,460/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,734/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,531
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,127
−HK$1,620/mo
Today · 4.125%
HK$62,747
baseline
▲ 0.50% · 4.625%
HK$66,054
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,494/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,899 · Scale 2, in force from 26 Feb 2026)