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$29,841
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,769
−HK$943/mo
Today · 4.125%
HK$31,712
baseline
▲ 0.50% · 4.625%
HK$33,642
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,424/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,198
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,088
−HK$903/mo
Today · 4.125%
HK$34,991
baseline
▲ 0.50% · 4.625%
HK$36,836
+HK$1,845/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,982/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,809
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,923
−HK$1,132/mo
Today · 4.125%
HK$38,055
baseline
▲ 0.50% · 4.625%
HK$40,370
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,110/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,837
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,906
−HK$1,084/mo
Today · 4.125%
HK$41,990
baseline
▲ 0.50% · 4.625%
HK$44,203
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,980/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,778
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,077
−HK$1,320/mo
Today · 4.125%
HK$44,397
baseline
▲ 0.50% · 4.625%
HK$47,099
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,794/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,477
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,724
−HK$1,264/mo
Today · 4.125%
HK$48,988
baseline
▲ 0.50% · 4.625%
HK$51,570
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,976/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,714
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,385
−HK$1,697/mo
Today · 4.125%
HK$57,082
baseline
▲ 0.50% · 4.625%
HK$60,556
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,164/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,756
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,359
−HK$1,626/mo
Today · 4.125%
HK$62,985
baseline
▲ 0.50% · 4.625%
HK$66,305
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,970/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,752 · Scale 2, in force from 26 Feb 2026)