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$29,768
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,694
−HK$940/mo
Today · 4.125%
HK$31,634
baseline
▲ 0.50% · 4.625%
HK$33,559
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,268/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,116
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,004
−HK$901/mo
Today · 4.125%
HK$34,905
baseline
▲ 0.50% · 4.625%
HK$36,745
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,810/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,721
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,832
−HK$1,129/mo
Today · 4.125%
HK$37,961
baseline
▲ 0.50% · 4.625%
HK$40,271
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,922/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,739
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,805
−HK$1,081/mo
Today · 4.125%
HK$41,886
baseline
▲ 0.50% · 4.625%
HK$44,094
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,772/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,675
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,971
−HK$1,317/mo
Today · 4.125%
HK$44,288
baseline
▲ 0.50% · 4.625%
HK$46,983
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,576/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,363
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,606
−HK$1,262/mo
Today · 4.125%
HK$48,868
baseline
▲ 0.50% · 4.625%
HK$51,443
+HK$2,575/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,736/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,582
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,248
−HK$1,694/mo
Today · 4.125%
HK$56,942
baseline
▲ 0.50% · 4.625%
HK$60,407
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,884/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,609
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,208
−HK$1,622/mo
Today · 4.125%
HK$62,830
baseline
▲ 0.50% · 4.625%
HK$66,142
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,660/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,545 · Scale 2, in force from 26 Feb 2026)