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$29,733
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,658
−HK$939/mo
Today · 4.125%
HK$31,597
baseline
▲ 0.50% · 4.625%
HK$33,520
+HK$1,923/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,194/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,077
−HK$1,788/mo
▼ 0.25% · 3.875%
HK$33,965
−HK$900/mo
Today · 4.125%
HK$34,865
baseline
▲ 0.50% · 4.625%
HK$36,702
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,730/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,679
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,789
−HK$1,128/mo
Today · 4.125%
HK$37,917
baseline
▲ 0.50% · 4.625%
HK$40,224
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,834/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,693
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,757
−HK$1,080/mo
Today · 4.125%
HK$41,837
baseline
▲ 0.50% · 4.625%
HK$44,043
+HK$2,206/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,674/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,626
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,921
−HK$1,315/mo
Today · 4.125%
HK$44,236
baseline
▲ 0.50% · 4.625%
HK$46,928
+HK$2,692/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,472/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,308
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,550
−HK$1,260/mo
Today · 4.125%
HK$48,810
baseline
▲ 0.50% · 4.625%
HK$51,383
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,620/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,519
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,184
−HK$1,691/mo
Today · 4.125%
HK$56,875
baseline
▲ 0.50% · 4.625%
HK$60,336
+HK$3,461/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$113,750/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,539
−HK$3,217/mo
▼ 0.25% · 3.875%
HK$61,136
−HK$1,620/mo
Today · 4.125%
HK$62,756
baseline
▲ 0.50% · 4.625%
HK$66,064
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.74M · min. income ≈ HK$125,512/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,972 · Scale 2, in force from 26 Feb 2026)