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$29,817
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,744
−HK$943/mo
Today · 4.125%
HK$31,687
baseline
▲ 0.50% · 4.625%
HK$33,615
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,374/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,171
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,061
−HK$902/mo
Today · 4.125%
HK$34,963
baseline
▲ 0.50% · 4.625%
HK$36,806
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,926/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,780
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,893
−HK$1,131/mo
Today · 4.125%
HK$38,024
baseline
▲ 0.50% · 4.625%
HK$40,338
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,048/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,805
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,873
−HK$1,083/mo
Today · 4.125%
HK$41,956
baseline
▲ 0.50% · 4.625%
HK$44,167
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,912/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,744
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,042
−HK$1,319/mo
Today · 4.125%
HK$44,361
baseline
▲ 0.50% · 4.625%
HK$47,061
+HK$2,700/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,722/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,439
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,685
−HK$1,263/mo
Today · 4.125%
HK$48,948
baseline
▲ 0.50% · 4.625%
HK$51,528
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,896/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,670
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,340
−HK$1,696/mo
Today · 4.125%
HK$57,036
baseline
▲ 0.50% · 4.625%
HK$60,506
+HK$3,470/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,072/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,708
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,309
−HK$1,624/mo
Today · 4.125%
HK$62,933
baseline
▲ 0.50% · 4.625%
HK$66,251
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,866/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,354 · Scale 2, in force from 26 Feb 2026)