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$29,774
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,700
−HK$941/mo
Today · 4.125%
HK$31,641
baseline
▲ 0.50% · 4.625%
HK$33,567
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,282/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,123
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,012
−HK$901/mo
Today · 4.125%
HK$34,913
baseline
▲ 0.50% · 4.625%
HK$36,753
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,826/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,729
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,840
−HK$1,129/mo
Today · 4.125%
HK$37,969
baseline
▲ 0.50% · 4.625%
HK$40,280
+HK$2,311/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,938/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,748
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,814
−HK$1,082/mo
Today · 4.125%
HK$41,896
baseline
▲ 0.50% · 4.625%
HK$44,104
+HK$2,208/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$489,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,684
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,980
−HK$1,318/mo
Today · 4.125%
HK$44,298
baseline
▲ 0.50% · 4.625%
HK$46,993
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,596/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,373
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,616
−HK$1,262/mo
Today · 4.125%
HK$48,878
baseline
▲ 0.50% · 4.625%
HK$51,455
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,756/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,593
−HK$3,361/mo
▼ 0.25% · 3.875%
HK$55,260
−HK$1,694/mo
Today · 4.125%
HK$56,954
baseline
▲ 0.50% · 4.625%
HK$60,420
+HK$3,466/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,908/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,622
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,221
−HK$1,622/mo
Today · 4.125%
HK$62,843
baseline
▲ 0.50% · 4.625%
HK$66,156
+HK$3,313/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,686/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,651 · Scale 2, in force from 26 Feb 2026)