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$29,765
−HK$1,867/mo
▼ 0.25% · 3.875%
HK$30,691
−HK$941/mo
Today · 4.125%
HK$31,632
baseline
▲ 0.50% · 4.625%
HK$33,557
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,264/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,114
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,002
−HK$901/mo
Today · 4.125%
HK$34,903
baseline
▲ 0.50% · 4.625%
HK$36,742
+HK$1,839/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,806/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,718
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,829
−HK$1,129/mo
Today · 4.125%
HK$37,958
baseline
▲ 0.50% · 4.625%
HK$40,268
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,916/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,736
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,802
−HK$1,081/mo
Today · 4.125%
HK$41,883
baseline
▲ 0.50% · 4.625%
HK$44,091
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,766/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,671
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,968
−HK$1,317/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,979
+HK$2,694/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,359
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,262/mo
Today · 4.125%
HK$48,864
baseline
▲ 0.50% · 4.625%
HK$51,439
+HK$2,575/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,728/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,577
−HK$3,360/mo
▼ 0.25% · 3.875%
HK$55,244
−HK$1,693/mo
Today · 4.125%
HK$56,937
baseline
▲ 0.50% · 4.625%
HK$60,402
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,874/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,604
−HK$3,221/mo
▼ 0.25% · 3.875%
HK$61,203
−HK$1,622/mo
Today · 4.125%
HK$62,825
baseline
▲ 0.50% · 4.625%
HK$66,136
+HK$3,311/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,650/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,506 · Scale 2, in force from 26 Feb 2026)