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$29,762
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,688
−HK$941/mo
Today · 4.125%
HK$31,629
baseline
▲ 0.50% · 4.625%
HK$33,553
+HK$1,924/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,258/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,110
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$33,998
−HK$901/mo
Today · 4.125%
HK$34,899
baseline
▲ 0.50% · 4.625%
HK$36,739
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,798/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,715
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,826
−HK$1,128/mo
Today · 4.125%
HK$37,954
baseline
▲ 0.50% · 4.625%
HK$40,264
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,908/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,732
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,798
−HK$1,081/mo
Today · 4.125%
HK$41,879
baseline
▲ 0.50% · 4.625%
HK$44,086
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,758/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,667
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,963
−HK$1,317/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,974
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,354
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,262/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,575/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,572
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,238
−HK$1,693/mo
Today · 4.125%
HK$56,931
baseline
▲ 0.50% · 4.625%
HK$60,396
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,862/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,598
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,197
−HK$1,621/mo
Today · 4.125%
HK$62,818
baseline
▲ 0.50% · 4.625%
HK$66,130
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,636/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,456 · Scale 2, in force from 26 Feb 2026)