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$29,752
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,678
−HK$940/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,542
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,987
−HK$901/mo
Today · 4.125%
HK$34,888
baseline
▲ 0.50% · 4.625%
HK$36,727
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,776/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,703
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,814
−HK$1,128/mo
Today · 4.125%
HK$37,942
baseline
▲ 0.50% · 4.625%
HK$40,251
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,884/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,719
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,784
−HK$1,081/mo
Today · 4.125%
HK$41,865
baseline
▲ 0.50% · 4.625%
HK$44,072
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,730/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,949
−HK$1,316/mo
Today · 4.125%
HK$44,265
baseline
▲ 0.50% · 4.625%
HK$46,959
+HK$2,694/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,530/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,339
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,582
−HK$1,261/mo
Today · 4.125%
HK$48,843
baseline
▲ 0.50% · 4.625%
HK$51,417
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,686/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,554
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,220
−HK$1,693/mo
Today · 4.125%
HK$56,913
baseline
▲ 0.50% · 4.625%
HK$60,376
+HK$3,463/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,826/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,579
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,177
−HK$1,621/mo
Today · 4.125%
HK$62,798
baseline
▲ 0.50% · 4.625%
HK$66,108
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,596/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,295 · Scale 2, in force from 26 Feb 2026)