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$29,822
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,749
−HK$943/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,620
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,176
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,066
−HK$903/mo
Today · 4.125%
HK$34,969
baseline
▲ 0.50% · 4.625%
HK$36,812
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,938/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,786
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,899
−HK$1,131/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,344
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,811
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,879
−HK$1,083/mo
Today · 4.125%
HK$41,962
baseline
▲ 0.50% · 4.625%
HK$44,174
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,924/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,750
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,049
−HK$1,319/mo
Today · 4.125%
HK$44,368
baseline
▲ 0.50% · 4.625%
HK$47,068
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,736/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,447
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,692
−HK$1,264/mo
Today · 4.125%
HK$48,956
baseline
▲ 0.50% · 4.625%
HK$51,537
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,912/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,679
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,349
−HK$1,696/mo
Today · 4.125%
HK$57,045
baseline
▲ 0.50% · 4.625%
HK$60,516
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,090/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,717
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,319
−HK$1,625/mo
Today · 4.125%
HK$62,944
baseline
▲ 0.50% · 4.625%
HK$66,261
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,888/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,432 · Scale 2, in force from 26 Feb 2026)