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$29,840
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,768
−HK$943/mo
Today · 4.125%
HK$31,711
baseline
▲ 0.50% · 4.625%
HK$33,641
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,422/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,197
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,087
−HK$903/mo
Today · 4.125%
HK$34,990
baseline
▲ 0.50% · 4.625%
HK$36,835
+HK$1,845/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,980/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,808
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,922
−HK$1,132/mo
Today · 4.125%
HK$38,054
baseline
▲ 0.50% · 4.625%
HK$40,369
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,108/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,836
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,905
−HK$1,084/mo
Today · 4.125%
HK$41,989
baseline
▲ 0.50% · 4.625%
HK$44,202
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,978/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,776
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,076
−HK$1,320/mo
Today · 4.125%
HK$44,396
baseline
▲ 0.50% · 4.625%
HK$47,097
+HK$2,701/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,792/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,476
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,722
−HK$1,265/mo
Today · 4.125%
HK$48,987
baseline
▲ 0.50% · 4.625%
HK$51,569
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,974/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,712
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,383
−HK$1,698/mo
Today · 4.125%
HK$57,081
baseline
▲ 0.50% · 4.625%
HK$60,554
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,162/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,755
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,357
−HK$1,626/mo
Today · 4.125%
HK$62,983
baseline
▲ 0.50% · 4.625%
HK$66,303
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,966/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,738 · Scale 2, in force from 26 Feb 2026)