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$29,746
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,671
−HK$940/mo
Today · 4.125%
HK$31,611
baseline
▲ 0.50% · 4.625%
HK$33,534
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,222/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,092
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,979
−HK$900/mo
Today · 4.125%
HK$34,879
baseline
▲ 0.50% · 4.625%
HK$36,718
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,758/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,695
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,805
−HK$1,128/mo
Today · 4.125%
HK$37,933
baseline
▲ 0.50% · 4.625%
HK$40,241
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,866/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,710
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,775
−HK$1,080/mo
Today · 4.125%
HK$41,855
baseline
▲ 0.50% · 4.625%
HK$44,062
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,710/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,644
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,939
−HK$1,316/mo
Today · 4.125%
HK$44,255
baseline
▲ 0.50% · 4.625%
HK$46,948
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,510/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,328
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,571
−HK$1,260/mo
Today · 4.125%
HK$48,831
baseline
▲ 0.50% · 4.625%
HK$51,405
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,662/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,542
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,207
−HK$1,693/mo
Today · 4.125%
HK$56,900
baseline
▲ 0.50% · 4.625%
HK$60,362
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,800/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,565
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,162
−HK$1,621/mo
Today · 4.125%
HK$62,783
baseline
▲ 0.50% · 4.625%
HK$66,092
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,566/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,181 · Scale 2, in force from 26 Feb 2026)