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$29,775
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,702
−HK$941/mo
Today · 4.125%
HK$31,643
baseline
▲ 0.50% · 4.625%
HK$33,568
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,286/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,125
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,013
−HK$901/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$36,755
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,730
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,842
−HK$1,129/mo
Today · 4.125%
HK$37,971
baseline
▲ 0.50% · 4.625%
HK$40,282
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,942/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,750
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,816
−HK$1,081/mo
Today · 4.125%
HK$41,897
baseline
▲ 0.50% · 4.625%
HK$44,106
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,794/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,686
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,982
−HK$1,318/mo
Today · 4.125%
HK$44,300
baseline
▲ 0.50% · 4.625%
HK$46,995
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,600/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,375
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,619
−HK$1,261/mo
Today · 4.125%
HK$48,880
baseline
▲ 0.50% · 4.625%
HK$51,457
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,760/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,596
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,263
−HK$1,694/mo
Today · 4.125%
HK$56,957
baseline
▲ 0.50% · 4.625%
HK$60,422
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,914/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,625
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,224
−HK$1,622/mo
Today · 4.125%
HK$62,846
baseline
▲ 0.50% · 4.625%
HK$66,159
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,692/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,672 · Scale 2, in force from 26 Feb 2026)