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$29,750
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$940/mo
Today · 4.125%
HK$31,616
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,924/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,232/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,097
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,985
−HK$900/mo
Today · 4.125%
HK$34,885
baseline
▲ 0.50% · 4.625%
HK$36,724
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,770/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,700
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,811
−HK$1,128/mo
Today · 4.125%
HK$37,939
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,878/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,716
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,781
−HK$1,081/mo
Today · 4.125%
HK$41,862
baseline
▲ 0.50% · 4.625%
HK$44,069
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,724/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,650
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,946
−HK$1,316/mo
Today · 4.125%
HK$44,262
baseline
▲ 0.50% · 4.625%
HK$46,956
+HK$2,694/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,524/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,336
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,578
−HK$1,261/mo
Today · 4.125%
HK$48,839
baseline
▲ 0.50% · 4.625%
HK$51,413
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,678/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,551
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,216
−HK$1,693/mo
Today · 4.125%
HK$56,909
baseline
▲ 0.50% · 4.625%
HK$60,371
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,818/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,574
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,172
−HK$1,621/mo
Today · 4.125%
HK$62,793
baseline
▲ 0.50% · 4.625%
HK$66,103
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,586/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,259 · Scale 2, in force from 26 Feb 2026)