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$29,819
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,746
−HK$943/mo
Today · 4.125%
HK$31,689
baseline
▲ 0.50% · 4.625%
HK$33,617
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,378/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,173
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,063
−HK$903/mo
Today · 4.125%
HK$34,966
baseline
▲ 0.50% · 4.625%
HK$36,809
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,932/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,783
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,896
−HK$1,131/mo
Today · 4.125%
HK$38,027
baseline
▲ 0.50% · 4.625%
HK$40,340
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,054/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,808
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,876
−HK$1,083/mo
Today · 4.125%
HK$41,959
baseline
▲ 0.50% · 4.625%
HK$44,170
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,918/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,747
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,045
−HK$1,319/mo
Today · 4.125%
HK$44,364
baseline
▲ 0.50% · 4.625%
HK$47,064
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,728/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,443
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,688
−HK$1,264/mo
Today · 4.125%
HK$48,952
baseline
▲ 0.50% · 4.625%
HK$51,532
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,904/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,674
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,344
−HK$1,696/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,511
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,712
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,313
−HK$1,625/mo
Today · 4.125%
HK$62,938
baseline
▲ 0.50% · 4.625%
HK$66,255
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,876/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,388 · Scale 2, in force from 26 Feb 2026)