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$29,824
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,751
−HK$943/mo
Today · 4.125%
HK$31,694
baseline
▲ 0.50% · 4.625%
HK$33,623
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,388/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,179
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,069
−HK$902/mo
Today · 4.125%
HK$34,971
baseline
▲ 0.50% · 4.625%
HK$36,815
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,942/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,789
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,902
−HK$1,131/mo
Today · 4.125%
HK$38,033
baseline
▲ 0.50% · 4.625%
HK$40,347
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,066/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,814
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,882
−HK$1,083/mo
Today · 4.125%
HK$41,965
baseline
▲ 0.50% · 4.625%
HK$44,178
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,930/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,753
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,052
−HK$1,320/mo
Today · 4.125%
HK$44,372
baseline
▲ 0.50% · 4.625%
HK$47,072
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,744/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,450
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,696
−HK$1,264/mo
Today · 4.125%
HK$48,960
baseline
▲ 0.50% · 4.625%
HK$51,540
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,920/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,683
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,353
−HK$1,696/mo
Today · 4.125%
HK$57,049
baseline
▲ 0.50% · 4.625%
HK$60,521
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,098/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,722
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,323
−HK$1,625/mo
Today · 4.125%
HK$62,948
baseline
▲ 0.50% · 4.625%
HK$66,266
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,896/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,468 · Scale 2, in force from 26 Feb 2026)