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$29,834
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,762
−HK$943/mo
Today · 4.125%
HK$31,705
baseline
▲ 0.50% · 4.625%
HK$33,634
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,410/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,190
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,080
−HK$903/mo
Today · 4.125%
HK$34,983
baseline
▲ 0.50% · 4.625%
HK$36,827
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,966/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,801
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,915
−HK$1,131/mo
Today · 4.125%
HK$38,046
baseline
▲ 0.50% · 4.625%
HK$40,361
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,092/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,828
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,897
−HK$1,083/mo
Today · 4.125%
HK$41,980
baseline
▲ 0.50% · 4.625%
HK$44,193
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,960/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,768
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,067
−HK$1,320/mo
Today · 4.125%
HK$44,387
baseline
▲ 0.50% · 4.625%
HK$47,088
+HK$2,701/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,774/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,466
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,713
−HK$1,264/mo
Today · 4.125%
HK$48,977
baseline
▲ 0.50% · 4.625%
HK$51,558
+HK$2,581/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,954/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,702
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,372
−HK$1,697/mo
Today · 4.125%
HK$57,069
baseline
▲ 0.50% · 4.625%
HK$60,542
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,138/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,743
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,345
−HK$1,625/mo
Today · 4.125%
HK$62,970
baseline
▲ 0.50% · 4.625%
HK$66,289
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,940/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,640 · Scale 2, in force from 26 Feb 2026)