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$29,798
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,725
−HK$942/mo
Today · 4.125%
HK$31,667
baseline
▲ 0.50% · 4.625%
HK$33,594
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,334/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,150
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,039
−HK$902/mo
Today · 4.125%
HK$34,941
baseline
▲ 0.50% · 4.625%
HK$36,783
+HK$1,842/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,882/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,758
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,870
−HK$1,130/mo
Today · 4.125%
HK$38,000
baseline
▲ 0.50% · 4.625%
HK$40,312
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,000/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,780
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,847
−HK$1,082/mo
Today · 4.125%
HK$41,929
baseline
▲ 0.50% · 4.625%
HK$44,140
+HK$2,211/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,858/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,717
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,015
−HK$1,318/mo
Today · 4.125%
HK$44,333
baseline
▲ 0.50% · 4.625%
HK$47,031
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,666/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,410
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,655
−HK$1,263/mo
Today · 4.125%
HK$48,918
baseline
▲ 0.50% · 4.625%
HK$51,496
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,836/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,637
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,305
−HK$1,695/mo
Today · 4.125%
HK$57,000
baseline
▲ 0.50% · 4.625%
HK$60,468
+HK$3,468/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,000/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,670
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,271
−HK$1,623/mo
Today · 4.125%
HK$62,894
baseline
▲ 0.50% · 4.625%
HK$66,209
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,788/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,046 · Scale 2, in force from 26 Feb 2026)