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$29,790
−HK$1,868/mo
▼ 0.25% · 3.875%
HK$30,716
−HK$942/mo
Today · 4.125%
HK$31,658
baseline
▲ 0.50% · 4.625%
HK$33,584
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,316/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,141
−HK$1,790/mo
▼ 0.25% · 3.875%
HK$34,029
−HK$902/mo
Today · 4.125%
HK$34,931
baseline
▲ 0.50% · 4.625%
HK$36,772
+HK$1,841/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,862/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,747
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,859
−HK$1,130/mo
Today · 4.125%
HK$37,989
baseline
▲ 0.50% · 4.625%
HK$40,301
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,978/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,769
−HK$2,148/mo
▼ 0.25% · 3.875%
HK$40,835
−HK$1,082/mo
Today · 4.125%
HK$41,917
baseline
▲ 0.50% · 4.625%
HK$44,127
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,834/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,705
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,003
−HK$1,318/mo
Today · 4.125%
HK$44,321
baseline
▲ 0.50% · 4.625%
HK$47,018
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,642/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,397
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,641
−HK$1,263/mo
Today · 4.125%
HK$48,904
baseline
▲ 0.50% · 4.625%
HK$51,481
+HK$2,577/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,808/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,621
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,289
−HK$1,695/mo
Today · 4.125%
HK$56,984
baseline
▲ 0.50% · 4.625%
HK$60,451
+HK$3,467/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,968/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,653
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,253
−HK$1,623/mo
Today · 4.125%
HK$62,876
baseline
▲ 0.50% · 4.625%
HK$66,190
+HK$3,314/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,752/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$489,906 · Scale 2, in force from 26 Feb 2026)