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$29,789
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,715
−HK$942/mo
Today · 4.125%
HK$31,657
baseline
▲ 0.50% · 4.625%
HK$33,583
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,314/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,140
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,028
−HK$902/mo
Today · 4.125%
HK$34,930
baseline
▲ 0.50% · 4.625%
HK$36,771
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,860/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,746
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,858
−HK$1,130/mo
Today · 4.125%
HK$37,988
baseline
▲ 0.50% · 4.625%
HK$40,299
+HK$2,311/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,976/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,768
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,834
−HK$1,082/mo
Today · 4.125%
HK$41,916
baseline
▲ 0.50% · 4.625%
HK$44,125
+HK$2,209/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,832/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,704
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,001
−HK$1,318/mo
Today · 4.125%
HK$44,319
baseline
▲ 0.50% · 4.625%
HK$47,016
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,638/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,395
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,640
−HK$1,262/mo
Today · 4.125%
HK$48,902
baseline
▲ 0.50% · 4.625%
HK$51,480
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,804/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,620
−HK$3,362/mo
▼ 0.25% · 3.875%
HK$55,287
−HK$1,695/mo
Today · 4.125%
HK$56,982
baseline
▲ 0.50% · 4.625%
HK$60,449
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,964/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,651
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,251
−HK$1,623/mo
Today · 4.125%
HK$62,874
baseline
▲ 0.50% · 4.625%
HK$66,188
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,748/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,891 · Scale 2, in force from 26 Feb 2026)