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$29,730
−HK$1,865/mo
▼ 0.25% · 3.875%
HK$30,655
−HK$940/mo
Today · 4.125%
HK$31,595
baseline
▲ 0.50% · 4.625%
HK$33,517
+HK$1,922/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$63,190/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,075
−HK$1,787/mo
▼ 0.25% · 3.875%
HK$33,962
−HK$900/mo
Today · 4.125%
HK$34,862
baseline
▲ 0.50% · 4.625%
HK$36,699
+HK$1,837/mo
Deposit HK$6.52M · loan HK$6.52M · min. income ≈ HK$69,724/mo (50% DSR)
Upfront cash ≈ HK$7.01M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,676
−HK$2,238/mo
▼ 0.25% · 3.875%
HK$36,786
−HK$1,128/mo
Today · 4.125%
HK$37,914
baseline
▲ 0.50% · 4.625%
HK$40,221
+HK$2,307/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$75,828/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,690
−HK$2,144/mo
▼ 0.25% · 3.875%
HK$40,754
−HK$1,080/mo
Today · 4.125%
HK$41,834
baseline
▲ 0.50% · 4.625%
HK$44,039
+HK$2,205/mo
Deposit HK$5.22M · loan HK$7.82M · min. income ≈ HK$83,668/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,623
−HK$2,610/mo
▼ 0.25% · 3.875%
HK$42,917
−HK$1,316/mo
Today · 4.125%
HK$44,233
baseline
▲ 0.50% · 4.625%
HK$46,924
+HK$2,691/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$88,466/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,305
−HK$2,501/mo
▼ 0.25% · 3.875%
HK$47,547
−HK$1,259/mo
Today · 4.125%
HK$48,806
baseline
▲ 0.50% · 4.625%
HK$51,379
+HK$2,573/mo
Deposit HK$3.91M · loan HK$9.13M · min. income ≈ HK$97,612/mo (50% DSR)
Upfront cash ≈ HK$4.40M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,515
−HK$3,356/mo
▼ 0.25% · 3.875%
HK$55,179
−HK$1,692/mo
Today · 4.125%
HK$56,871
baseline
▲ 0.50% · 4.625%
HK$60,331
+HK$3,460/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$113,742/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,535
−HK$3,216/mo
▼ 0.25% · 3.875%
HK$61,131
−HK$1,620/mo
Today · 4.125%
HK$62,751
baseline
▲ 0.50% · 4.625%
HK$66,059
+HK$3,308/mo
Deposit HK$1.30M · loan HK$11.73M · min. income ≈ HK$125,502/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$488,932 · Scale 2, in force from 26 Feb 2026)