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$29,820
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,748
−HK$942/mo
Today · 4.125%
HK$31,690
baseline
▲ 0.50% · 4.625%
HK$33,619
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,380/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,175
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,065
−HK$902/mo
Today · 4.125%
HK$34,967
baseline
▲ 0.50% · 4.625%
HK$36,810
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,934/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,785
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,898
−HK$1,131/mo
Today · 4.125%
HK$38,029
baseline
▲ 0.50% · 4.625%
HK$40,343
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,058/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,810
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,878
−HK$1,083/mo
Today · 4.125%
HK$41,961
baseline
▲ 0.50% · 4.625%
HK$44,173
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,922/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,749
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,047
−HK$1,320/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$47,066
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,445
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,691
−HK$1,263/mo
Today · 4.125%
HK$48,954
baseline
▲ 0.50% · 4.625%
HK$51,535
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,908/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,677
−HK$3,366/mo
▼ 0.25% · 3.875%
HK$55,347
−HK$1,696/mo
Today · 4.125%
HK$57,043
baseline
▲ 0.50% · 4.625%
HK$60,514
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,086/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,715
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,316
−HK$1,625/mo
Today · 4.125%
HK$62,941
baseline
▲ 0.50% · 4.625%
HK$66,259
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,882/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,414 · Scale 2, in force from 26 Feb 2026)