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$29,737
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,662
−HK$940/mo
Today · 4.125%
HK$31,602
baseline
▲ 0.50% · 4.625%
HK$33,525
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,204/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,082
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,969
−HK$900/mo
Today · 4.125%
HK$34,869
baseline
▲ 0.50% · 4.625%
HK$36,707
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,738/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,684
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,794
−HK$1,128/mo
Today · 4.125%
HK$37,922
baseline
▲ 0.50% · 4.625%
HK$40,229
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,844/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,698
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,763
−HK$1,080/mo
Today · 4.125%
HK$41,843
baseline
▲ 0.50% · 4.625%
HK$44,049
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,686/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,632
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,927
−HK$1,315/mo
Today · 4.125%
HK$44,242
baseline
▲ 0.50% · 4.625%
HK$46,934
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,484/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,315
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,557
−HK$1,260/mo
Today · 4.125%
HK$48,817
baseline
▲ 0.50% · 4.625%
HK$51,390
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,634/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,526
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,191
−HK$1,692/mo
Today · 4.125%
HK$56,883
baseline
▲ 0.50% · 4.625%
HK$60,344
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,766/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,548
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,145
−HK$1,620/mo
Today · 4.125%
HK$62,765
baseline
▲ 0.50% · 4.625%
HK$66,073
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,530/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,040 · Scale 2, in force from 26 Feb 2026)