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$29,786
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,712
−HK$942/mo
Today · 4.125%
HK$31,654
baseline
▲ 0.50% · 4.625%
HK$33,580
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,308/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,136
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,025
−HK$902/mo
Today · 4.125%
HK$34,927
baseline
▲ 0.50% · 4.625%
HK$36,768
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,854/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,743
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,855
−HK$1,129/mo
Today · 4.125%
HK$37,984
baseline
▲ 0.50% · 4.625%
HK$40,296
+HK$2,312/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,968/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,764
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,830
−HK$1,082/mo
Today · 4.125%
HK$41,912
baseline
▲ 0.50% · 4.625%
HK$44,121
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,824/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,700
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,997
−HK$1,318/mo
Today · 4.125%
HK$44,315
baseline
▲ 0.50% · 4.625%
HK$47,011
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,630/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,391
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,635
−HK$1,262/mo
Today · 4.125%
HK$48,897
baseline
▲ 0.50% · 4.625%
HK$51,475
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,794/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,614
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,282
−HK$1,694/mo
Today · 4.125%
HK$56,976
baseline
▲ 0.50% · 4.625%
HK$60,443
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,952/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,645
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,245
−HK$1,623/mo
Today · 4.125%
HK$62,868
baseline
▲ 0.50% · 4.625%
HK$66,182
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,736/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,842 · Scale 2, in force from 26 Feb 2026)