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$29,792
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,719
−HK$942/mo
Today · 4.125%
HK$31,661
baseline
▲ 0.50% · 4.625%
HK$33,587
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,322/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,144
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,033
−HK$901/mo
Today · 4.125%
HK$34,934
baseline
▲ 0.50% · 4.625%
HK$36,776
+HK$1,842/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,868/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,751
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,863
−HK$1,130/mo
Today · 4.125%
HK$37,993
baseline
▲ 0.50% · 4.625%
HK$40,305
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,986/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,773
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,839
−HK$1,082/mo
Today · 4.125%
HK$41,921
baseline
▲ 0.50% · 4.625%
HK$44,131
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,842/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,709
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,007
−HK$1,318/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$47,022
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,401
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,646
−HK$1,262/mo
Today · 4.125%
HK$48,908
baseline
▲ 0.50% · 4.625%
HK$51,486
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,816/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,626
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,295
−HK$1,694/mo
Today · 4.125%
HK$56,989
baseline
▲ 0.50% · 4.625%
HK$60,457
+HK$3,468/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,978/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,659
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,259
−HK$1,623/mo
Today · 4.125%
HK$62,882
baseline
▲ 0.50% · 4.625%
HK$66,197
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,764/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,953 · Scale 2, in force from 26 Feb 2026)