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$29,791
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,718
−HK$941/mo
Today · 4.125%
HK$31,659
baseline
▲ 0.50% · 4.625%
HK$33,586
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,318/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,142
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,031
−HK$902/mo
Today · 4.125%
HK$34,933
baseline
▲ 0.50% · 4.625%
HK$36,774
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,866/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,750
−HK$2,241/mo
▼ 0.25% · 3.875%
HK$36,862
−HK$1,129/mo
Today · 4.125%
HK$37,991
baseline
▲ 0.50% · 4.625%
HK$40,303
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,982/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,771
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,838
−HK$1,082/mo
Today · 4.125%
HK$41,920
baseline
▲ 0.50% · 4.625%
HK$44,129
+HK$2,209/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,840/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,708
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,005
−HK$1,318/mo
Today · 4.125%
HK$44,323
baseline
▲ 0.50% · 4.625%
HK$47,020
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,646/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,399
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,644
−HK$1,262/mo
Today · 4.125%
HK$48,906
baseline
▲ 0.50% · 4.625%
HK$51,484
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,812/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,624
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,292
−HK$1,695/mo
Today · 4.125%
HK$56,987
baseline
▲ 0.50% · 4.625%
HK$60,455
+HK$3,468/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,974/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,656
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,256
−HK$1,624/mo
Today · 4.125%
HK$62,880
baseline
▲ 0.50% · 4.625%
HK$66,194
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,760/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,933 · Scale 2, in force from 26 Feb 2026)