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$29,742
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,667
−HK$940/mo
Today · 4.125%
HK$31,607
baseline
▲ 0.50% · 4.625%
HK$33,530
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,214/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,088
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,975
−HK$900/mo
Today · 4.125%
HK$34,875
baseline
▲ 0.50% · 4.625%
HK$36,714
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,750/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,690
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,801
−HK$1,128/mo
Today · 4.125%
HK$37,929
baseline
▲ 0.50% · 4.625%
HK$40,236
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,858/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,705
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,770
−HK$1,080/mo
Today · 4.125%
HK$41,850
baseline
▲ 0.50% · 4.625%
HK$44,056
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,700/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,639
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,934
−HK$1,316/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,323
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,565
−HK$1,261/mo
Today · 4.125%
HK$48,826
baseline
▲ 0.50% · 4.625%
HK$51,399
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,652/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,536
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,201
−HK$1,692/mo
Today · 4.125%
HK$56,893
baseline
▲ 0.50% · 4.625%
HK$60,355
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,786/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,558
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,155
−HK$1,621/mo
Today · 4.125%
HK$62,776
baseline
▲ 0.50% · 4.625%
HK$66,085
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,552/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,124 · Scale 2, in force from 26 Feb 2026)