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$29,780
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,706
−HK$941/mo
Today · 4.125%
HK$31,647
baseline
▲ 0.50% · 4.625%
HK$33,573
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,294/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,130
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,018
−HK$902/mo
Today · 4.125%
HK$34,920
baseline
▲ 0.50% · 4.625%
HK$36,760
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,840/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,736
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,847
−HK$1,130/mo
Today · 4.125%
HK$37,977
baseline
▲ 0.50% · 4.625%
HK$40,287
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,954/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,756
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,822
−HK$1,082/mo
Today · 4.125%
HK$41,904
baseline
▲ 0.50% · 4.625%
HK$44,112
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,808/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,692
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,989
−HK$1,317/mo
Today · 4.125%
HK$44,306
baseline
▲ 0.50% · 4.625%
HK$47,002
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,612/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,382
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,626
−HK$1,261/mo
Today · 4.125%
HK$48,887
baseline
▲ 0.50% · 4.625%
HK$51,464
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,774/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,604
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,271
−HK$1,694/mo
Today · 4.125%
HK$56,965
baseline
▲ 0.50% · 4.625%
HK$60,431
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,930/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,633
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,233
−HK$1,622/mo
Today · 4.125%
HK$62,855
baseline
▲ 0.50% · 4.625%
HK$66,168
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,710/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,745 · Scale 2, in force from 26 Feb 2026)