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$29,751
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,676
−HK$941/mo
Today · 4.125%
HK$31,617
baseline
▲ 0.50% · 4.625%
HK$33,540
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,234/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,098
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,985
−HK$901/mo
Today · 4.125%
HK$34,886
baseline
▲ 0.50% · 4.625%
HK$36,725
+HK$1,839/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,772/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,701
−HK$2,239/mo
▼ 0.25% · 3.875%
HK$36,812
−HK$1,128/mo
Today · 4.125%
HK$37,940
baseline
▲ 0.50% · 4.625%
HK$40,248
+HK$2,308/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,880/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,717
−HK$2,146/mo
▼ 0.25% · 3.875%
HK$40,782
−HK$1,081/mo
Today · 4.125%
HK$41,863
baseline
▲ 0.50% · 4.625%
HK$44,070
+HK$2,207/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,726/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,651
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,947
−HK$1,316/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,957
+HK$2,694/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,337
−HK$2,503/mo
▼ 0.25% · 3.875%
HK$47,579
−HK$1,261/mo
Today · 4.125%
HK$48,840
baseline
▲ 0.50% · 4.625%
HK$51,415
+HK$2,575/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,680/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,552
−HK$3,358/mo
▼ 0.25% · 3.875%
HK$55,217
−HK$1,693/mo
Today · 4.125%
HK$56,910
baseline
▲ 0.50% · 4.625%
HK$60,373
+HK$3,463/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,820/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,576
−HK$3,218/mo
▼ 0.25% · 3.875%
HK$61,174
−HK$1,620/mo
Today · 4.125%
HK$62,794
baseline
▲ 0.50% · 4.625%
HK$66,104
+HK$3,310/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,588/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,270 · Scale 2, in force from 26 Feb 2026)