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$30,747
−HK$942/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$490,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,174
−HK$1,792/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$490,395 · 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$40,341
+HK$2,314/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$490,395 · 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$44,171
+HK$2,212/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$490,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,747
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,046
−HK$1,319/mo
Today · 4.125%
HK$44,365
baseline
▲ 0.50% · 4.625%
HK$47,064
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,730/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,443
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,689
−HK$1,263/mo
Today · 4.125%
HK$48,952
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,581/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$490,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,675
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,344
−HK$1,697/mo
Today · 4.125%
HK$57,041
baseline
▲ 0.50% · 4.625%
HK$60,511
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,082/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,713
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,314
−HK$1,625/mo
Today · 4.125%
HK$62,939
baseline
▲ 0.50% · 4.625%
HK$66,256
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,878/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,395 · Scale 2, in force from 26 Feb 2026)