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$29,764
−HK$1,866/mo
▼ 0.25% · 3.875%
HK$30,690
−HK$940/mo
Today · 4.125%
HK$31,630
baseline
▲ 0.50% · 4.625%
HK$33,555
+HK$1,925/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,260/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,112
−HK$1,789/mo
▼ 0.25% · 3.875%
HK$34,000
−HK$901/mo
Today · 4.125%
HK$34,901
baseline
▲ 0.50% · 4.625%
HK$36,740
+HK$1,839/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,802/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,716
−HK$2,240/mo
▼ 0.25% · 3.875%
HK$36,827
−HK$1,129/mo
Today · 4.125%
HK$37,956
baseline
▲ 0.50% · 4.625%
HK$40,266
+HK$2,310/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$75,912/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,734
−HK$2,147/mo
▼ 0.25% · 3.875%
HK$40,800
−HK$1,081/mo
Today · 4.125%
HK$41,881
baseline
▲ 0.50% · 4.625%
HK$44,089
+HK$2,208/mo
Deposit HK$5.22M · loan HK$7.83M · min. income ≈ HK$83,762/mo (50% DSR)
Upfront cash ≈ HK$5.71M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,669
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,965
−HK$1,317/mo
Today · 4.125%
HK$44,282
baseline
▲ 0.50% · 4.625%
HK$46,977
+HK$2,695/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$88,564/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,357
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,261/mo
Today · 4.125%
HK$48,861
baseline
▲ 0.50% · 4.625%
HK$51,437
+HK$2,576/mo
Deposit HK$3.92M · loan HK$9.14M · min. income ≈ HK$97,722/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,575
−HK$3,359/mo
▼ 0.25% · 3.875%
HK$55,241
−HK$1,693/mo
Today · 4.125%
HK$56,934
baseline
▲ 0.50% · 4.625%
HK$60,399
+HK$3,465/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$113,868/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,601
−HK$3,220/mo
▼ 0.25% · 3.875%
HK$61,200
−HK$1,621/mo
Today · 4.125%
HK$62,821
baseline
▲ 0.50% · 4.625%
HK$66,133
+HK$3,312/mo
Deposit HK$1.31M · loan HK$11.75M · min. income ≈ HK$125,642/mo (50% DSR)
Upfront cash ≈ HK$1.79M (deposit + AVD stamp duty HK$489,481 · Scale 2, in force from 26 Feb 2026)