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$29,812
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,739
−HK$942/mo
Today · 4.125%
HK$31,681
baseline
▲ 0.50% · 4.625%
HK$33,609
+HK$1,928/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$490,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,166
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,055
−HK$902/mo
Today · 4.125%
HK$34,957
baseline
▲ 0.50% · 4.625%
HK$36,800
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,914/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,774
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,887
−HK$1,131/mo
Today · 4.125%
HK$38,018
baseline
▲ 0.50% · 4.625%
HK$40,331
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,036/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,799
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,866
−HK$1,083/mo
Today · 4.125%
HK$41,949
baseline
▲ 0.50% · 4.625%
HK$44,160
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,898/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,737
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,035
−HK$1,319/mo
Today · 4.125%
HK$44,354
baseline
▲ 0.50% · 4.625%
HK$47,053
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,708/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,432
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,677
−HK$1,263/mo
Today · 4.125%
HK$48,940
baseline
▲ 0.50% · 4.625%
HK$51,520
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,880/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,662
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,331
−HK$1,696/mo
Today · 4.125%
HK$57,027
baseline
▲ 0.50% · 4.625%
HK$60,497
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,054/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,274 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,698
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,299
−HK$1,624/mo
Today · 4.125%
HK$62,923
baseline
▲ 0.50% · 4.625%
HK$66,240
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,846/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,274 · Scale 2, in force from 26 Feb 2026)