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$29,808
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,735
−HK$942/mo
Today · 4.125%
HK$31,677
baseline
▲ 0.50% · 4.625%
HK$33,605
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,354/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,161
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,051
−HK$902/mo
Today · 4.125%
HK$34,953
baseline
▲ 0.50% · 4.625%
HK$36,795
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,906/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,770
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,882
−HK$1,131/mo
Today · 4.125%
HK$38,013
baseline
▲ 0.50% · 4.625%
HK$40,326
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,026/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,793
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,861
−HK$1,082/mo
Today · 4.125%
HK$41,943
baseline
▲ 0.50% · 4.625%
HK$44,154
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,886/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,731
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,029
−HK$1,319/mo
Today · 4.125%
HK$44,348
baseline
▲ 0.50% · 4.625%
HK$47,047
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,696/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,426
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,263/mo
Today · 4.125%
HK$48,934
baseline
▲ 0.50% · 4.625%
HK$51,513
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,868/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,655
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,324
−HK$1,695/mo
Today · 4.125%
HK$57,019
baseline
▲ 0.50% · 4.625%
HK$60,489
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,038/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,690
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,291
−HK$1,624/mo
Today · 4.125%
HK$62,915
baseline
▲ 0.50% · 4.625%
HK$66,231
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,830/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,210 · Scale 2, in force from 26 Feb 2026)