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$29,787
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$941/mo
Today · 4.125%
HK$31,655
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,310/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,138
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$901/mo
Today · 4.125%
HK$34,928
baseline
▲ 0.50% · 4.625%
HK$36,769
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,856/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,856
−HK$1,130/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,297
+HK$2,311/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,765
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,082/mo
Today · 4.125%
HK$41,914
baseline
▲ 0.50% · 4.625%
HK$44,123
+HK$2,209/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,828/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,702
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,999
−HK$1,318/mo
Today · 4.125%
HK$44,317
baseline
▲ 0.50% · 4.625%
HK$47,014
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,634/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,393
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,637
−HK$1,263/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,477
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,617
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,694/mo
Today · 4.125%
HK$56,979
baseline
▲ 0.50% · 4.625%
HK$60,446
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,958/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,648
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,248
−HK$1,623/mo
Today · 4.125%
HK$62,871
baseline
▲ 0.50% · 4.625%
HK$66,185
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,742/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,866 · Scale 2, in force from 26 Feb 2026)