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$29,739
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,664
−HK$940/mo
Today · 4.125%
HK$31,604
baseline
▲ 0.50% · 4.625%
HK$33,527
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,208/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,084
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,971
−HK$900/mo
Today · 4.125%
HK$34,871
baseline
▲ 0.50% · 4.625%
HK$36,710
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,742/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,686
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,796
−HK$1,128/mo
Today · 4.125%
HK$37,924
baseline
▲ 0.50% · 4.625%
HK$40,232
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,848/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,701
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,766
−HK$1,080/mo
Today · 4.125%
HK$41,846
baseline
▲ 0.50% · 4.625%
HK$44,051
+HK$2,205/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,692/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,634
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,929
−HK$1,316/mo
Today · 4.125%
HK$44,245
baseline
▲ 0.50% · 4.625%
HK$46,937
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,490/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,318
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,560
−HK$1,260/mo
Today · 4.125%
HK$48,820
baseline
▲ 0.50% · 4.625%
HK$51,393
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,640/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,530
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,195
−HK$1,691/mo
Today · 4.125%
HK$56,886
baseline
▲ 0.50% · 4.625%
HK$60,348
+HK$3,462/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,772/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,551
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,148
−HK$1,621/mo
Today · 4.125%
HK$62,769
baseline
▲ 0.50% · 4.625%
HK$66,077
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,538/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,068 · Scale 2, in force from 26 Feb 2026)