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$29,783
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,709
−HK$941/mo
Today · 4.125%
HK$31,650
baseline
▲ 0.50% · 4.625%
HK$33,576
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,300/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,133
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,022
−HK$901/mo
Today · 4.125%
HK$34,923
baseline
▲ 0.50% · 4.625%
HK$36,764
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,846/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,739
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,851
−HK$1,129/mo
Today · 4.125%
HK$37,980
baseline
▲ 0.50% · 4.625%
HK$40,291
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,960/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,760
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,826
−HK$1,082/mo
Today · 4.125%
HK$41,908
baseline
▲ 0.50% · 4.625%
HK$44,117
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,816/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,696
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,993
−HK$1,318/mo
Today · 4.125%
HK$44,311
baseline
▲ 0.50% · 4.625%
HK$47,007
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,622/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,386
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,630
−HK$1,262/mo
Today · 4.125%
HK$48,892
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,784/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,609
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,276
−HK$1,695/mo
Today · 4.125%
HK$56,971
baseline
▲ 0.50% · 4.625%
HK$60,437
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,942/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,639
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,239
−HK$1,623/mo
Today · 4.125%
HK$62,862
baseline
▲ 0.50% · 4.625%
HK$66,175
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,724/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,793 · Scale 2, in force from 26 Feb 2026)