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$29,735
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,660
−HK$940/mo
Today · 4.125%
HK$31,600
baseline
▲ 0.50% · 4.625%
HK$33,523
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,200/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,080
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,967
−HK$900/mo
Today · 4.125%
HK$34,867
baseline
▲ 0.50% · 4.625%
HK$36,705
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,734/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,682
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,792
−HK$1,128/mo
Today · 4.125%
HK$37,920
baseline
▲ 0.50% · 4.625%
HK$40,227
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,840/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,696
−HK$2,145/mo
▼ 0.25% · 3.875%
HK$40,761
−HK$1,080/mo
Today · 4.125%
HK$41,841
baseline
▲ 0.50% · 4.625%
HK$44,046
+HK$2,205/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,682/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,629
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,924
−HK$1,316/mo
Today · 4.125%
HK$44,240
baseline
▲ 0.50% · 4.625%
HK$46,932
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,480/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,312
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,554
−HK$1,260/mo
Today · 4.125%
HK$48,814
baseline
▲ 0.50% · 4.625%
HK$51,387
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,628/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,523
−HK$3,357/mo
▼ 0.25% · 3.875%
HK$55,188
−HK$1,692/mo
Today · 4.125%
HK$56,880
baseline
▲ 0.50% · 4.625%
HK$60,341
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,760/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,544
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,141
−HK$1,620/mo
Today · 4.125%
HK$62,761
baseline
▲ 0.50% · 4.625%
HK$66,070
+HK$3,309/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,522/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,012 · Scale 2, in force from 26 Feb 2026)