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$29,833
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$943/mo
Today · 4.125%
HK$31,704
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,408/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,189
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$903/mo
Today · 4.125%
HK$34,982
baseline
▲ 0.50% · 4.625%
HK$36,826
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,964/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,800
−HK$2,244/mo
▼ 0.25% · 3.875%
HK$36,913
−HK$1,131/mo
Today · 4.125%
HK$38,044
baseline
▲ 0.50% · 4.625%
HK$40,359
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,088/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,827
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,895
−HK$1,083/mo
Today · 4.125%
HK$41,978
baseline
▲ 0.50% · 4.625%
HK$44,191
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,956/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,766
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,065
−HK$1,320/mo
Today · 4.125%
HK$44,385
baseline
▲ 0.50% · 4.625%
HK$47,086
+HK$2,701/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,770/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,464
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,711
−HK$1,264/mo
Today · 4.125%
HK$48,975
baseline
▲ 0.50% · 4.625%
HK$51,556
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,950/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,699
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,370
−HK$1,697/mo
Today · 4.125%
HK$57,067
baseline
▲ 0.50% · 4.625%
HK$60,539
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,134/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,740
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,342
−HK$1,625/mo
Today · 4.125%
HK$62,967
baseline
▲ 0.50% · 4.625%
HK$66,287
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,934/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,619 · Scale 2, in force from 26 Feb 2026)