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$29,779
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,705
−HK$941/mo
Today · 4.125%
HK$31,646
baseline
▲ 0.50% · 4.625%
HK$33,572
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,292/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,128
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,017
−HK$901/mo
Today · 4.125%
HK$34,918
baseline
▲ 0.50% · 4.625%
HK$36,759
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,836/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,734
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,846
−HK$1,129/mo
Today · 4.125%
HK$37,975
baseline
▲ 0.50% · 4.625%
HK$40,286
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,950/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,754
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,820
−HK$1,082/mo
Today · 4.125%
HK$41,902
baseline
▲ 0.50% · 4.625%
HK$44,111
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,804/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,690
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,987
−HK$1,317/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$47,000
+HK$2,696/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,380
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,624
−HK$1,262/mo
Today · 4.125%
HK$48,886
baseline
▲ 0.50% · 4.625%
HK$51,462
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,772/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,602
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,269
−HK$1,694/mo
Today · 4.125%
HK$56,963
baseline
▲ 0.50% · 4.625%
HK$60,429
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,926/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,631
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,231
−HK$1,622/mo
Today · 4.125%
HK$62,853
baseline
▲ 0.50% · 4.625%
HK$66,166
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,706/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,726 · Scale 2, in force from 26 Feb 2026)