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$29,842
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$943/mo
Today · 4.125%
HK$31,714
baseline
▲ 0.50% · 4.625%
HK$33,643
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,428/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,199
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$903/mo
Today · 4.125%
HK$34,993
baseline
▲ 0.50% · 4.625%
HK$36,837
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,986/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,925
−HK$1,131/mo
Today · 4.125%
HK$38,056
baseline
▲ 0.50% · 4.625%
HK$40,372
+HK$2,316/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,112/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,839
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,907
−HK$1,084/mo
Today · 4.125%
HK$41,991
baseline
▲ 0.50% · 4.625%
HK$44,205
+HK$2,214/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,982/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,779
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,079
−HK$1,320/mo
Today · 4.125%
HK$44,399
baseline
▲ 0.50% · 4.625%
HK$47,101
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,798/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,479
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,725
−HK$1,265/mo
Today · 4.125%
HK$48,990
baseline
▲ 0.50% · 4.625%
HK$51,572
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,980/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,716
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,387
−HK$1,698/mo
Today · 4.125%
HK$57,085
baseline
▲ 0.50% · 4.625%
HK$60,558
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,170/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,759
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,361
−HK$1,626/mo
Today · 4.125%
HK$62,987
baseline
▲ 0.50% · 4.625%
HK$66,307
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,974/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,772 · Scale 2, in force from 26 Feb 2026)