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$29,810
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,737
−HK$943/mo
Today · 4.125%
HK$31,680
baseline
▲ 0.50% · 4.625%
HK$33,607
+HK$1,927/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,360/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,164
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,053
−HK$902/mo
Today · 4.125%
HK$34,955
baseline
▲ 0.50% · 4.625%
HK$36,798
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,910/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,772
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,885
−HK$1,130/mo
Today · 4.125%
HK$38,015
baseline
▲ 0.50% · 4.625%
HK$40,329
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,030/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,796
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,864
−HK$1,082/mo
Today · 4.125%
HK$41,946
baseline
▲ 0.50% · 4.625%
HK$44,157
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,892/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,734
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,319/mo
Today · 4.125%
HK$44,351
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,702/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,429
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,674
−HK$1,263/mo
Today · 4.125%
HK$48,937
baseline
▲ 0.50% · 4.625%
HK$51,517
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,874/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,658
−HK$3,365/mo
▼ 0.25% · 3.875%
HK$55,327
−HK$1,696/mo
Today · 4.125%
HK$57,023
baseline
▲ 0.50% · 4.625%
HK$60,493
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,046/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,694
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,295
−HK$1,624/mo
Today · 4.125%
HK$62,919
baseline
▲ 0.50% · 4.625%
HK$66,236
+HK$3,317/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,838/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,245 · Scale 2, in force from 26 Feb 2026)