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$29,823
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,751
−HK$942/mo
Today · 4.125%
HK$31,693
baseline
▲ 0.50% · 4.625%
HK$33,622
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,386/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,178
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,068
−HK$903/mo
Today · 4.125%
HK$34,971
baseline
▲ 0.50% · 4.625%
HK$36,814
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,942/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,788
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,901
−HK$1,131/mo
Today · 4.125%
HK$38,032
baseline
▲ 0.50% · 4.625%
HK$40,346
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,064/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,814
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,882
−HK$1,083/mo
Today · 4.125%
HK$41,965
baseline
▲ 0.50% · 4.625%
HK$44,177
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,930/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,753
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,051
−HK$1,320/mo
Today · 4.125%
HK$44,371
baseline
▲ 0.50% · 4.625%
HK$47,071
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,742/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,449
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,695
−HK$1,264/mo
Today · 4.125%
HK$48,959
baseline
▲ 0.50% · 4.625%
HK$51,540
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,918/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,682
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,352
−HK$1,696/mo
Today · 4.125%
HK$57,048
baseline
▲ 0.50% · 4.625%
HK$60,520
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,096/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,721
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,322
−HK$1,625/mo
Today · 4.125%
HK$62,947
baseline
▲ 0.50% · 4.625%
HK$66,265
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,894/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,460 · Scale 2, in force from 26 Feb 2026)