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$29,775
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,701
−HK$941/mo
Today · 4.125%
HK$31,642
baseline
▲ 0.50% · 4.625%
HK$33,567
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,284/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,124
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,012
−HK$902/mo
Today · 4.125%
HK$34,914
baseline
▲ 0.50% · 4.625%
HK$36,754
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,828/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,730
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,841
−HK$1,129/mo
Today · 4.125%
HK$37,970
baseline
▲ 0.50% · 4.625%
HK$40,281
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,940/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,749
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,815
−HK$1,081/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,105
+HK$2,209/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,792/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,685
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,981
−HK$1,318/mo
Today · 4.125%
HK$44,299
baseline
▲ 0.50% · 4.625%
HK$46,994
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,598/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,374
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,617
−HK$1,262/mo
Today · 4.125%
HK$48,879
baseline
▲ 0.50% · 4.625%
HK$51,456
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,758/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,595
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,262
−HK$1,693/mo
Today · 4.125%
HK$56,955
baseline
▲ 0.50% · 4.625%
HK$60,421
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,910/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,623
−HK$3,222/mo
▼ 0.25% · 3.875%
HK$61,222
−HK$1,623/mo
Today · 4.125%
HK$62,845
baseline
▲ 0.50% · 4.625%
HK$66,157
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,690/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,661 · Scale 2, in force from 26 Feb 2026)