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$29,727
−HK$1,864/mo
▼ 0.25% · 3.875%
HK$30,651
−HK$940/mo
Today · 4.125%
HK$31,591
baseline
▲ 0.50% · 4.625%
HK$33,513
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,182/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,071
−HK$1,786/mo
▼ 0.25% · 3.875%
HK$33,958
−HK$899/mo
Today · 4.125%
HK$34,857
baseline
▲ 0.50% · 4.625%
HK$36,695
+HK$1,838/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,714/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,672
−HK$2,237/mo
▼ 0.25% · 3.875%
HK$36,782
−HK$1,127/mo
Today · 4.125%
HK$37,909
baseline
▲ 0.50% · 4.625%
HK$40,216
+HK$2,307/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$75,818/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,685
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,749
−HK$1,080/mo
Today · 4.125%
HK$41,829
baseline
▲ 0.50% · 4.625%
HK$44,034
+HK$2,205/mo
Deposit HK$5.21M · loan HK$7.82M · min. income ≈ HK$83,658/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,617
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,912
−HK$1,315/mo
Today · 4.125%
HK$44,227
baseline
▲ 0.50% · 4.625%
HK$46,918
+HK$2,691/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,454/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,299
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,541
−HK$1,259/mo
Today · 4.125%
HK$48,800
baseline
▲ 0.50% · 4.625%
HK$51,373
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,600/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,508
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,172
−HK$1,692/mo
Today · 4.125%
HK$56,864
baseline
▲ 0.50% · 4.625%
HK$60,324
+HK$3,460/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,728/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,527
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,124
−HK$1,619/mo
Today · 4.125%
HK$62,743
baseline
▲ 0.50% · 4.625%
HK$66,051
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,486/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,872 · Scale 2, in force from 26 Feb 2026)