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$29,734
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,659
−HK$939/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,521
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,079
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,966
−HK$900/mo
Today · 4.125%
HK$34,866
baseline
▲ 0.50% · 4.625%
HK$36,704
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,732/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,681
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,790
−HK$1,128/mo
Today · 4.125%
HK$37,918
baseline
▲ 0.50% · 4.625%
HK$40,225
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,836/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,694
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,759
−HK$1,080/mo
Today · 4.125%
HK$41,839
baseline
▲ 0.50% · 4.625%
HK$44,044
+HK$2,205/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,678/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,627
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,922
−HK$1,316/mo
Today · 4.125%
HK$44,238
baseline
▲ 0.50% · 4.625%
HK$46,930
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,476/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,310
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,552
−HK$1,260/mo
Today · 4.125%
HK$48,812
baseline
▲ 0.50% · 4.625%
HK$51,385
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,624/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,521
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,186
−HK$1,691/mo
Today · 4.125%
HK$56,877
baseline
▲ 0.50% · 4.625%
HK$60,338
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,754/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,541
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,138
−HK$1,620/mo
Today · 4.125%
HK$62,758
baseline
▲ 0.50% · 4.625%
HK$66,066
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,516/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,989 · Scale 2, in force from 26 Feb 2026)