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$29,827
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,755
−HK$942/mo
Today · 4.125%
HK$31,697
baseline
▲ 0.50% · 4.625%
HK$33,626
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,394/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,182
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,072
−HK$903/mo
Today · 4.125%
HK$34,975
baseline
▲ 0.50% · 4.625%
HK$36,818
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,950/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,792
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,906
−HK$1,131/mo
Today · 4.125%
HK$38,037
baseline
▲ 0.50% · 4.625%
HK$40,351
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,074/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,818
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,886
−HK$1,084/mo
Today · 4.125%
HK$41,970
baseline
▲ 0.50% · 4.625%
HK$44,182
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,940/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,758
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,056
−HK$1,320/mo
Today · 4.125%
HK$44,376
baseline
▲ 0.50% · 4.625%
HK$47,076
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,752/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,455
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,701
−HK$1,264/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,688
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,358
−HK$1,697/mo
Today · 4.125%
HK$57,055
baseline
▲ 0.50% · 4.625%
HK$60,527
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,110/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,728
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,330
−HK$1,625/mo
Today · 4.125%
HK$62,955
baseline
▲ 0.50% · 4.625%
HK$66,273
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,910/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,518 · Scale 2, in force from 26 Feb 2026)