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$29,777
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,703
−HK$941/mo
Today · 4.125%
HK$31,644
baseline
▲ 0.50% · 4.625%
HK$33,569
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,288/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,126
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,015
−HK$901/mo
Today · 4.125%
HK$34,916
baseline
▲ 0.50% · 4.625%
HK$36,756
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,832/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,732
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,844
−HK$1,129/mo
Today · 4.125%
HK$37,973
baseline
▲ 0.50% · 4.625%
HK$40,283
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$75,946/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,752
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,818
−HK$1,081/mo
Today · 4.125%
HK$41,899
baseline
▲ 0.50% · 4.625%
HK$44,108
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.84M · min. income ≈ HK$83,798/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,687
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,984
−HK$1,318/mo
Today · 4.125%
HK$44,302
baseline
▲ 0.50% · 4.625%
HK$46,997
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,604/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,377
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,621
−HK$1,261/mo
Today · 4.125%
HK$48,882
baseline
▲ 0.50% · 4.625%
HK$51,459
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,764/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,598
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,265
−HK$1,694/mo
Today · 4.125%
HK$56,959
baseline
▲ 0.50% · 4.625%
HK$60,425
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,918/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,627
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,227
−HK$1,622/mo
Today · 4.125%
HK$62,849
baseline
▲ 0.50% · 4.625%
HK$66,162
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,698/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,694 · Scale 2, in force from 26 Feb 2026)