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$29,818
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,745
−HK$943/mo
Today · 4.125%
HK$31,688
baseline
▲ 0.50% · 4.625%
HK$33,616
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,376/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,172
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,062
−HK$902/mo
Today · 4.125%
HK$34,964
baseline
▲ 0.50% · 4.625%
HK$36,807
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,928/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,782
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,895
−HK$1,130/mo
Today · 4.125%
HK$38,025
baseline
▲ 0.50% · 4.625%
HK$40,339
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,050/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,807
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,874
−HK$1,083/mo
Today · 4.125%
HK$41,957
baseline
▲ 0.50% · 4.625%
HK$44,169
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,914/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,745
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,044
−HK$1,319/mo
Today · 4.125%
HK$44,363
baseline
▲ 0.50% · 4.625%
HK$47,062
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,726/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,441
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,687
−HK$1,263/mo
Today · 4.125%
HK$48,950
baseline
▲ 0.50% · 4.625%
HK$51,530
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,900/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,672
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,342
−HK$1,696/mo
Today · 4.125%
HK$57,038
baseline
▲ 0.50% · 4.625%
HK$60,509
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,076/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,710
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,311
−HK$1,625/mo
Today · 4.125%
HK$62,936
baseline
▲ 0.50% · 4.625%
HK$66,253
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,872/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,372 · Scale 2, in force from 26 Feb 2026)