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$29,838
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,766
−HK$943/mo
Today · 4.125%
HK$31,709
baseline
▲ 0.50% · 4.625%
HK$33,639
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,418/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,195
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,085
−HK$903/mo
Today · 4.125%
HK$34,988
baseline
▲ 0.50% · 4.625%
HK$36,832
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,976/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,806
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,919
−HK$1,132/mo
Today · 4.125%
HK$38,051
baseline
▲ 0.50% · 4.625%
HK$40,366
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,102/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,834
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,902
−HK$1,084/mo
Today · 4.125%
HK$41,986
baseline
▲ 0.50% · 4.625%
HK$44,199
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,972/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,773
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,073
−HK$1,320/mo
Today · 4.125%
HK$44,393
baseline
▲ 0.50% · 4.625%
HK$47,094
+HK$2,701/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,786/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,472
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,719
−HK$1,264/mo
Today · 4.125%
HK$48,983
baseline
▲ 0.50% · 4.625%
HK$51,565
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,966/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,709
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,379
−HK$1,698/mo
Today · 4.125%
HK$57,077
baseline
▲ 0.50% · 4.625%
HK$60,550
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,154/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,750
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,353
−HK$1,625/mo
Today · 4.125%
HK$62,978
baseline
▲ 0.50% · 4.625%
HK$66,298
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,956/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,703 · Scale 2, in force from 26 Feb 2026)