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$29,763
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,689
−HK$940/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,554
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,111
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,999
−HK$901/mo
Today · 4.125%
HK$34,900
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$1,839/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,800/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,715
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$1,129/mo
Today · 4.125%
HK$37,955
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,910/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,733
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,799
−HK$1,081/mo
Today · 4.125%
HK$41,880
baseline
▲ 0.50% · 4.625%
HK$44,087
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,760/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,668
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,317/mo
Today · 4.125%
HK$44,281
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,562/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,598
−HK$1,261/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,435
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,573
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,239
−HK$1,693/mo
Today · 4.125%
HK$56,932
baseline
▲ 0.50% · 4.625%
HK$60,397
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,864/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,599
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,198
−HK$1,621/mo
Today · 4.125%
HK$62,819
baseline
▲ 0.50% · 4.625%
HK$66,131
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,638/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,464 · Scale 2, in force from 26 Feb 2026)