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$29,754
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,679
−HK$940/mo
Today · 4.125%
HK$31,619
baseline
▲ 0.50% · 4.625%
HK$33,543
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,238/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,101
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,988
−HK$901/mo
Today · 4.125%
HK$34,889
baseline
▲ 0.50% · 4.625%
HK$36,728
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,778/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,704
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,815
−HK$1,128/mo
Today · 4.125%
HK$37,943
baseline
▲ 0.50% · 4.625%
HK$40,252
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,886/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,721
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,786
−HK$1,081/mo
Today · 4.125%
HK$41,867
baseline
▲ 0.50% · 4.625%
HK$44,074
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,734/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,655
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,951
−HK$1,316/mo
Today · 4.125%
HK$44,267
baseline
▲ 0.50% · 4.625%
HK$46,961
+HK$2,694/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,534/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,341
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,584
−HK$1,260/mo
Today · 4.125%
HK$48,844
baseline
▲ 0.50% · 4.625%
HK$51,419
+HK$2,575/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,688/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,556
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,222
−HK$1,693/mo
Today · 4.125%
HK$56,915
baseline
▲ 0.50% · 4.625%
HK$60,378
+HK$3,463/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,830/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,581
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,179
−HK$1,621/mo
Today · 4.125%
HK$62,800
baseline
▲ 0.50% · 4.625%
HK$66,110
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,600/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,314 · Scale 2, in force from 26 Feb 2026)