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$29,814
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,742
−HK$942/mo
Today · 4.125%
HK$31,684
baseline
▲ 0.50% · 4.625%
HK$33,612
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,368/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,168
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,058
−HK$902/mo
Today · 4.125%
HK$34,960
baseline
▲ 0.50% · 4.625%
HK$36,803
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,920/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,890
−HK$1,131/mo
Today · 4.125%
HK$38,021
baseline
▲ 0.50% · 4.625%
HK$40,334
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,042/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,802
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,869
−HK$1,083/mo
Today · 4.125%
HK$41,952
baseline
▲ 0.50% · 4.625%
HK$44,163
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,904/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,740
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,038
−HK$1,319/mo
Today · 4.125%
HK$44,357
baseline
▲ 0.50% · 4.625%
HK$47,056
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,714/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,435
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,681
−HK$1,263/mo
Today · 4.125%
HK$48,944
baseline
▲ 0.50% · 4.625%
HK$51,524
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,888/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,666
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,335
−HK$1,696/mo
Today · 4.125%
HK$57,031
baseline
▲ 0.50% · 4.625%
HK$60,501
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,062/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,702
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,304
−HK$1,624/mo
Today · 4.125%
HK$62,928
baseline
▲ 0.50% · 4.625%
HK$66,245
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,856/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,310 · Scale 2, in force from 26 Feb 2026)