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$29,787
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,714
−HK$941/mo
Today · 4.125%
HK$31,655
baseline
▲ 0.50% · 4.625%
HK$33,581
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,310/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,138
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,027
−HK$902/mo
Today · 4.125%
HK$34,929
baseline
▲ 0.50% · 4.625%
HK$36,770
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,858/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,745
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,857
−HK$1,129/mo
Today · 4.125%
HK$37,986
baseline
▲ 0.50% · 4.625%
HK$40,298
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,972/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,766
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,832
−HK$1,082/mo
Today · 4.125%
HK$41,914
baseline
▲ 0.50% · 4.625%
HK$44,124
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,828/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,702
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,317/mo
Today · 4.125%
HK$44,317
baseline
▲ 0.50% · 4.625%
HK$47,014
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,634/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,393
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,262/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,478
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,617
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,285
−HK$1,695/mo
Today · 4.125%
HK$56,980
baseline
▲ 0.50% · 4.625%
HK$60,447
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,960/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,649
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,248
−HK$1,623/mo
Today · 4.125%
HK$62,871
baseline
▲ 0.50% · 4.625%
HK$66,185
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,742/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,870 · Scale 2, in force from 26 Feb 2026)