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$29,822
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,750
−HK$942/mo
Today · 4.125%
HK$31,692
baseline
▲ 0.50% · 4.625%
HK$33,620
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,384/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,177
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,066
−HK$903/mo
Today · 4.125%
HK$34,969
baseline
▲ 0.50% · 4.625%
HK$36,812
+HK$1,843/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,938/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,786
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,899
−HK$1,131/mo
Today · 4.125%
HK$38,030
baseline
▲ 0.50% · 4.625%
HK$40,344
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,060/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,812
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,880
−HK$1,083/mo
Today · 4.125%
HK$41,963
baseline
▲ 0.50% · 4.625%
HK$44,175
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,926/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,751
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,049
−HK$1,320/mo
Today · 4.125%
HK$44,369
baseline
▲ 0.50% · 4.625%
HK$47,068
+HK$2,699/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,738/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,447
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,693
−HK$1,264/mo
Today · 4.125%
HK$48,957
baseline
▲ 0.50% · 4.625%
HK$51,537
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,914/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,679
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,349
−HK$1,697/mo
Today · 4.125%
HK$57,046
baseline
▲ 0.50% · 4.625%
HK$60,517
+HK$3,471/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,092/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,718
−HK$3,226/mo
▼ 0.25% · 3.875%
HK$61,319
−HK$1,625/mo
Today · 4.125%
HK$62,944
baseline
▲ 0.50% · 4.625%
HK$66,262
+HK$3,318/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,888/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,437 · Scale 2, in force from 26 Feb 2026)