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$33,556
+HK$1,924/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$489,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,113
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,001
−HK$901/mo
Today · 4.125%
HK$34,902
baseline
▲ 0.50% · 4.625%
HK$36,742
+HK$1,840/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,804/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,503 · 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$489,503 · 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$489,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,671
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,967
−HK$1,317/mo
Today · 4.125%
HK$44,284
baseline
▲ 0.50% · 4.625%
HK$46,979
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,568/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,359
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,602
−HK$1,261/mo
Today · 4.125%
HK$48,863
baseline
▲ 0.50% · 4.625%
HK$51,439
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,726/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,503 · 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$60,401
+HK$3,464/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$489,503 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,604
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,203
−HK$1,621/mo
Today · 4.125%
HK$62,824
baseline
▲ 0.50% · 4.625%
HK$66,136
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,648/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,503 · Scale 2, in force from 26 Feb 2026)