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$29,809
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$942/mo
Today · 4.125%
HK$31,679
baseline
▲ 0.50% · 4.625%
HK$33,606
+HK$1,927/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,358/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,163
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,052
−HK$902/mo
Today · 4.125%
HK$34,954
baseline
▲ 0.50% · 4.625%
HK$36,797
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,908/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,771
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,884
−HK$1,130/mo
Today · 4.125%
HK$38,014
baseline
▲ 0.50% · 4.625%
HK$40,328
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,028/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,795
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,863
−HK$1,082/mo
Today · 4.125%
HK$41,945
baseline
▲ 0.50% · 4.625%
HK$44,156
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,890/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,733
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,031
−HK$1,319/mo
Today · 4.125%
HK$44,350
baseline
▲ 0.50% · 4.625%
HK$47,049
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,700/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,428
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,673
−HK$1,263/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,516
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,657
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,326
−HK$1,696/mo
Today · 4.125%
HK$57,022
baseline
▲ 0.50% · 4.625%
HK$60,491
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,044/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,693
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,294
−HK$1,624/mo
Today · 4.125%
HK$62,918
baseline
▲ 0.50% · 4.625%
HK$66,234
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,836/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,232 · Scale 2, in force from 26 Feb 2026)