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$29,744
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,669
−HK$940/mo
Today · 4.125%
HK$31,609
baseline
▲ 0.50% · 4.625%
HK$33,533
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,218/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,090
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,977
−HK$901/mo
Today · 4.125%
HK$34,878
baseline
▲ 0.50% · 4.625%
HK$36,716
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,756/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,693
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,803
−HK$1,128/mo
Today · 4.125%
HK$37,931
baseline
▲ 0.50% · 4.625%
HK$40,239
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,862/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,708
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,773
−HK$1,080/mo
Today · 4.125%
HK$41,853
baseline
▲ 0.50% · 4.625%
HK$44,059
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,706/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,642
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,937
−HK$1,316/mo
Today · 4.125%
HK$44,253
baseline
▲ 0.50% · 4.625%
HK$46,946
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,506/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,326
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,568
−HK$1,261/mo
Today · 4.125%
HK$48,829
baseline
▲ 0.50% · 4.625%
HK$51,403
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,658/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,539
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,205
−HK$1,692/mo
Today · 4.125%
HK$56,897
baseline
▲ 0.50% · 4.625%
HK$60,359
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,794/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,562
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,159
−HK$1,621/mo
Today · 4.125%
HK$62,780
baseline
▲ 0.50% · 4.625%
HK$66,089
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,560/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,156 · Scale 2, in force from 26 Feb 2026)