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$29,733
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,658
−HK$940/mo
Today · 4.125%
HK$31,598
baseline
▲ 0.50% · 4.625%
HK$33,520
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,196/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,078
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,965
−HK$900/mo
Today · 4.125%
HK$34,865
baseline
▲ 0.50% · 4.625%
HK$36,703
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,730/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,680
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,790
−HK$1,127/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$40,225
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,694
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,758
−HK$1,080/mo
Today · 4.125%
HK$41,838
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,205/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,676/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,627
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,921
−HK$1,316/mo
Today · 4.125%
HK$44,237
baseline
▲ 0.50% · 4.625%
HK$46,929
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,474/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,309
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,551
−HK$1,260/mo
Today · 4.125%
HK$48,811
baseline
▲ 0.50% · 4.625%
HK$51,384
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,622/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,520
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,185
−HK$1,691/mo
Today · 4.125%
HK$56,876
baseline
▲ 0.50% · 4.625%
HK$60,337
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,752/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,540
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,137
−HK$1,620/mo
Today · 4.125%
HK$62,757
baseline
▲ 0.50% · 4.625%
HK$66,065
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,514/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,980 · Scale 2, in force from 26 Feb 2026)