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$29,837
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,765
−HK$943/mo
Today · 4.125%
HK$31,708
baseline
▲ 0.50% · 4.625%
HK$33,638
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,416/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,194
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,084
−HK$903/mo
Today · 4.125%
HK$34,987
baseline
▲ 0.50% · 4.625%
HK$36,831
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,974/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,805
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$1,131/mo
Today · 4.125%
HK$38,050
baseline
▲ 0.50% · 4.625%
HK$40,365
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,100/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,833
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,901
−HK$1,084/mo
Today · 4.125%
HK$41,985
baseline
▲ 0.50% · 4.625%
HK$44,198
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,970/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,772
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,072
−HK$1,320/mo
Today · 4.125%
HK$44,392
baseline
▲ 0.50% · 4.625%
HK$47,093
+HK$2,701/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,784/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,471
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,718
−HK$1,264/mo
Today · 4.125%
HK$48,982
baseline
▲ 0.50% · 4.625%
HK$51,564
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,964/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,707
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,378
−HK$1,697/mo
Today · 4.125%
HK$57,075
baseline
▲ 0.50% · 4.625%
HK$60,548
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,150/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,749
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,351
−HK$1,626/mo
Today · 4.125%
HK$62,977
baseline
▲ 0.50% · 4.625%
HK$66,296
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,954/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,691 · Scale 2, in force from 26 Feb 2026)