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$29,807
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,734
−HK$942/mo
Today · 4.125%
HK$31,676
baseline
▲ 0.50% · 4.625%
HK$33,604
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,352/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,160
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,049
−HK$903/mo
Today · 4.125%
HK$34,952
baseline
▲ 0.50% · 4.625%
HK$36,794
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,904/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,768
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,881
−HK$1,130/mo
Today · 4.125%
HK$38,011
baseline
▲ 0.50% · 4.625%
HK$40,324
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,022/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,792
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,859
−HK$1,083/mo
Today · 4.125%
HK$41,942
baseline
▲ 0.50% · 4.625%
HK$44,153
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,884/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,730
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,028
−HK$1,319/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,263/mo
Today · 4.125%
HK$48,932
baseline
▲ 0.50% · 4.625%
HK$51,511
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,864/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,322
−HK$1,695/mo
Today · 4.125%
HK$57,017
baseline
▲ 0.50% · 4.625%
HK$60,486
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,034/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,688
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,289
−HK$1,624/mo
Today · 4.125%
HK$62,913
baseline
▲ 0.50% · 4.625%
HK$66,229
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,826/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,192 · Scale 2, in force from 26 Feb 2026)