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$29,797
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,724
−HK$942/mo
Today · 4.125%
HK$31,666
baseline
▲ 0.50% · 4.625%
HK$33,593
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,332/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,149
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,038
−HK$902/mo
Today · 4.125%
HK$34,940
baseline
▲ 0.50% · 4.625%
HK$36,782
+HK$1,842/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,880/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,757
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,869
−HK$1,130/mo
Today · 4.125%
HK$37,999
baseline
▲ 0.50% · 4.625%
HK$40,311
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,998/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,779
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,846
−HK$1,082/mo
Today · 4.125%
HK$41,928
baseline
▲ 0.50% · 4.625%
HK$44,138
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,856/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,716
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,014
−HK$1,318/mo
Today · 4.125%
HK$44,332
baseline
▲ 0.50% · 4.625%
HK$47,030
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,664/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,409
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,654
−HK$1,262/mo
Today · 4.125%
HK$48,916
baseline
▲ 0.50% · 4.625%
HK$51,495
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,832/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,635
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,304
−HK$1,695/mo
Today · 4.125%
HK$56,999
baseline
▲ 0.50% · 4.625%
HK$60,467
+HK$3,468/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,998/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,669
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,269
−HK$1,623/mo
Today · 4.125%
HK$62,892
baseline
▲ 0.50% · 4.625%
HK$66,207
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,784/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,033 · Scale 2, in force from 26 Feb 2026)