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$29,784
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,710
−HK$942/mo
Today · 4.125%
HK$31,652
baseline
▲ 0.50% · 4.625%
HK$33,577
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,304/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,134
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,023
−HK$901/mo
Today · 4.125%
HK$34,924
baseline
▲ 0.50% · 4.625%
HK$36,765
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,848/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,741
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,852
−HK$1,130/mo
Today · 4.125%
HK$37,982
baseline
▲ 0.50% · 4.625%
HK$40,293
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,964/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,761
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,827
−HK$1,082/mo
Today · 4.125%
HK$41,909
baseline
▲ 0.50% · 4.625%
HK$44,118
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,818/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,697
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,994
−HK$1,318/mo
Today · 4.125%
HK$44,312
baseline
▲ 0.50% · 4.625%
HK$47,008
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,624/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,388
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,632
−HK$1,262/mo
Today · 4.125%
HK$48,894
baseline
▲ 0.50% · 4.625%
HK$51,471
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,788/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,611
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,279
−HK$1,694/mo
Today · 4.125%
HK$56,973
baseline
▲ 0.50% · 4.625%
HK$60,439
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,946/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,642
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,241
−HK$1,623/mo
Today · 4.125%
HK$62,864
baseline
▲ 0.50% · 4.625%
HK$66,178
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,728/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,812 · Scale 2, in force from 26 Feb 2026)