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$29,799
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,726
−HK$942/mo
Today · 4.125%
HK$31,668
baseline
▲ 0.50% · 4.625%
HK$33,595
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,336/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,151
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,040
−HK$902/mo
Today · 4.125%
HK$34,942
baseline
▲ 0.50% · 4.625%
HK$36,784
+HK$1,842/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,884/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,759
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,871
−HK$1,130/mo
Today · 4.125%
HK$38,001
baseline
▲ 0.50% · 4.625%
HK$40,314
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,002/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,782
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,849
−HK$1,082/mo
Today · 4.125%
HK$41,931
baseline
▲ 0.50% · 4.625%
HK$44,141
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,862/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,719
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,017
−HK$1,318/mo
Today · 4.125%
HK$44,335
baseline
▲ 0.50% · 4.625%
HK$47,033
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,670/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,412
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,262/mo
Today · 4.125%
HK$48,919
baseline
▲ 0.50% · 4.625%
HK$51,498
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,838/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,639
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,307
−HK$1,695/mo
Today · 4.125%
HK$57,002
baseline
▲ 0.50% · 4.625%
HK$60,471
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,004/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,672
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,273
−HK$1,623/mo
Today · 4.125%
HK$62,896
baseline
▲ 0.50% · 4.625%
HK$66,212
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,792/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,064 · Scale 2, in force from 26 Feb 2026)