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$29,811
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,738
−HK$943/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,608
+HK$1,927/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,362/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,165
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,054
−HK$902/mo
Today · 4.125%
HK$34,956
baseline
▲ 0.50% · 4.625%
HK$36,799
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,912/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,773
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,886
−HK$1,131/mo
Today · 4.125%
HK$38,017
baseline
▲ 0.50% · 4.625%
HK$40,330
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,034/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,798
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,865
−HK$1,083/mo
Today · 4.125%
HK$41,948
baseline
▲ 0.50% · 4.625%
HK$44,159
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,896/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,736
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,034
−HK$1,319/mo
Today · 4.125%
HK$44,353
baseline
▲ 0.50% · 4.625%
HK$47,052
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,706/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,430
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,676
−HK$1,263/mo
Today · 4.125%
HK$48,939
baseline
▲ 0.50% · 4.625%
HK$51,519
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,878/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,660
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,329
−HK$1,696/mo
Today · 4.125%
HK$57,025
baseline
▲ 0.50% · 4.625%
HK$60,495
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,050/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,696
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,297
−HK$1,625/mo
Today · 4.125%
HK$62,922
baseline
▲ 0.50% · 4.625%
HK$66,238
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,844/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,261 · Scale 2, in force from 26 Feb 2026)