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$29,752
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,677
−HK$941/mo
Today · 4.125%
HK$31,618
baseline
▲ 0.50% · 4.625%
HK$33,541
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,236/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,099
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,986
−HK$901/mo
Today · 4.125%
HK$34,887
baseline
▲ 0.50% · 4.625%
HK$36,726
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,774/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,702
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,813
−HK$1,128/mo
Today · 4.125%
HK$37,941
baseline
▲ 0.50% · 4.625%
HK$40,250
+HK$2,309/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,882/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,718
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,784
−HK$1,080/mo
Today · 4.125%
HK$41,864
baseline
▲ 0.50% · 4.625%
HK$44,071
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,728/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,653
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,948
−HK$1,317/mo
Today · 4.125%
HK$44,265
baseline
▲ 0.50% · 4.625%
HK$46,958
+HK$2,693/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,530/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,338
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,581
−HK$1,261/mo
Today · 4.125%
HK$48,842
baseline
▲ 0.50% · 4.625%
HK$51,416
+HK$2,574/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,684/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,553
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,219
−HK$1,693/mo
Today · 4.125%
HK$56,912
baseline
▲ 0.50% · 4.625%
HK$60,374
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,824/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,577
−HK$3,219/mo
▼ 0.25% · 3.875%
HK$61,175
−HK$1,621/mo
Today · 4.125%
HK$62,796
baseline
▲ 0.50% · 4.625%
HK$66,106
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,592/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,285 · Scale 2, in force from 26 Feb 2026)