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$29,721
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,646
−HK$939/mo
Today · 4.125%
HK$31,585
baseline
▲ 0.50% · 4.625%
HK$33,507
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,170/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,064
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,951
−HK$900/mo
Today · 4.125%
HK$34,851
baseline
▲ 0.50% · 4.625%
HK$36,688
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,702/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,665
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,775
−HK$1,127/mo
Today · 4.125%
HK$37,902
baseline
▲ 0.50% · 4.625%
HK$40,208
+HK$2,306/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,804/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,677
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,741
−HK$1,080/mo
Today · 4.125%
HK$41,821
baseline
▲ 0.50% · 4.625%
HK$44,025
+HK$2,204/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,642/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,610
−HK$2,609/mo
▼ 0.25% · 3.875%
HK$42,904
−HK$1,315/mo
Today · 4.125%
HK$44,219
baseline
▲ 0.50% · 4.625%
HK$46,909
+HK$2,690/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$88,438/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,290
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,532
−HK$1,259/mo
Today · 4.125%
HK$48,791
baseline
▲ 0.50% · 4.625%
HK$51,363
+HK$2,572/mo
Deposit HK$3.91M · loan HK$9.12M · min. income ≈ HK$97,582/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,498
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,162
−HK$1,691/mo
Today · 4.125%
HK$56,853
baseline
▲ 0.50% · 4.625%
HK$60,312
+HK$3,459/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,706/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,516
−HK$3,215/mo
▼ 0.25% · 3.875%
HK$61,112
−HK$1,619/mo
Today · 4.125%
HK$62,731
baseline
▲ 0.50% · 4.625%
HK$66,038
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,462/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,780 · Scale 2, in force from 26 Feb 2026)