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$29,814
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,741
−HK$942/mo
Today · 4.125%
HK$31,683
baseline
▲ 0.50% · 4.625%
HK$33,611
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,366/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,168
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,057
−HK$903/mo
Today · 4.125%
HK$34,960
baseline
▲ 0.50% · 4.625%
HK$36,802
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,920/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,777
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,890
−HK$1,130/mo
Today · 4.125%
HK$38,020
baseline
▲ 0.50% · 4.625%
HK$40,334
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,040/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,801
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,869
−HK$1,083/mo
Today · 4.125%
HK$41,952
baseline
▲ 0.50% · 4.625%
HK$44,163
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,904/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,739
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,038
−HK$1,319/mo
Today · 4.125%
HK$44,357
baseline
▲ 0.50% · 4.625%
HK$47,056
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,714/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,435
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,680
−HK$1,263/mo
Today · 4.125%
HK$48,943
baseline
▲ 0.50% · 4.625%
HK$51,523
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,886/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,665
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,334
−HK$1,696/mo
Today · 4.125%
HK$57,030
baseline
▲ 0.50% · 4.625%
HK$60,500
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,060/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,702
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,303
−HK$1,624/mo
Today · 4.125%
HK$62,927
baseline
▲ 0.50% · 4.625%
HK$66,244
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,854/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,306 · Scale 2, in force from 26 Feb 2026)