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$1,870/mo
▼ 0.25% · 3.875%
HK$30,756
−HK$942/mo
Today · 4.125%
HK$31,698
baseline
▲ 0.50% · 4.625%
HK$33,627
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,396/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,183
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,073
−HK$903/mo
Today · 4.125%
HK$34,976
baseline
▲ 0.50% · 4.625%
HK$36,820
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,952/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,793
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,907
−HK$1,131/mo
Today · 4.125%
HK$38,038
baseline
▲ 0.50% · 4.625%
HK$40,353
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,076/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,820
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,888
−HK$1,083/mo
Today · 4.125%
HK$41,971
baseline
▲ 0.50% · 4.625%
HK$44,184
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,942/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,759
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,058
−HK$1,320/mo
Today · 4.125%
HK$44,378
baseline
▲ 0.50% · 4.625%
HK$47,078
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,756/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,457
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,702
−HK$1,264/mo
Today · 4.125%
HK$48,966
baseline
▲ 0.50% · 4.625%
HK$51,548
+HK$2,582/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,932/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,690
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,360
−HK$1,697/mo
Today · 4.125%
HK$57,057
baseline
▲ 0.50% · 4.625%
HK$60,529
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,114/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,730
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,332
−HK$1,625/mo
Today · 4.125%
HK$62,957
baseline
▲ 0.50% · 4.625%
HK$66,275
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,914/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,536 · Scale 2, in force from 26 Feb 2026)