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$29,727
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,652
−HK$939/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,513
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,071
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$900/mo
Today · 4.125%
HK$34,858
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,716/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,673
−HK$2,236/mo
▼ 0.25% · 3.875%
HK$36,782
−HK$1,127/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$40,216
+HK$2,307/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,685
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,750
−HK$1,079/mo
Today · 4.125%
HK$41,829
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,205/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,658/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,618
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,912
−HK$1,316/mo
Today · 4.125%
HK$44,228
baseline
▲ 0.50% · 4.625%
HK$46,919
+HK$2,691/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,456/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,300
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,541
−HK$1,260/mo
Today · 4.125%
HK$48,801
baseline
▲ 0.50% · 4.625%
HK$51,373
+HK$2,572/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,602/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,509
−HK$3,355/mo
▼ 0.25% · 3.875%
HK$55,173
−HK$1,691/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$60,324
+HK$3,460/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,528
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,620/mo
Today · 4.125%
HK$62,744
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,307/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,488/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,878 · Scale 2, in force from 26 Feb 2026)