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$29,828
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$943/mo
Today · 4.125%
HK$31,699
baseline
▲ 0.50% · 4.625%
HK$33,628
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,398/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,184
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,074
−HK$903/mo
Today · 4.125%
HK$34,977
baseline
▲ 0.50% · 4.625%
HK$36,820
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,954/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,794
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,908
−HK$1,131/mo
Today · 4.125%
HK$38,039
baseline
▲ 0.50% · 4.625%
HK$40,353
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,078/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,821
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,889
−HK$1,083/mo
Today · 4.125%
HK$41,972
baseline
▲ 0.50% · 4.625%
HK$44,184
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,944/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,760
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,059
−HK$1,320/mo
Today · 4.125%
HK$44,379
baseline
▲ 0.50% · 4.625%
HK$47,079
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,758/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,457
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,703
−HK$1,264/mo
Today · 4.125%
HK$48,967
baseline
▲ 0.50% · 4.625%
HK$51,548
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,934/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,691
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,361
−HK$1,697/mo
Today · 4.125%
HK$57,058
baseline
▲ 0.50% · 4.625%
HK$60,530
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,116/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,731
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,333
−HK$1,625/mo
Today · 4.125%
HK$62,958
baseline
▲ 0.50% · 4.625%
HK$66,277
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,916/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,545 · Scale 2, in force from 26 Feb 2026)