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$29,844
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,772
−HK$943/mo
Today · 4.125%
HK$31,715
baseline
▲ 0.50% · 4.625%
HK$33,645
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,430/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,201
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,091
−HK$903/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$36,839
+HK$1,845/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,812
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,926
−HK$1,132/mo
Today · 4.125%
HK$38,058
baseline
▲ 0.50% · 4.625%
HK$40,374
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,116/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,841
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,909
−HK$1,084/mo
Today · 4.125%
HK$41,993
baseline
▲ 0.50% · 4.625%
HK$44,207
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$83,986/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,781
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,081
−HK$1,320/mo
Today · 4.125%
HK$44,401
baseline
▲ 0.50% · 4.625%
HK$47,103
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,802/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,481
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,727
−HK$1,265/mo
Today · 4.125%
HK$48,992
baseline
▲ 0.50% · 4.625%
HK$51,575
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,984/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,718
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,389
−HK$1,698/mo
Today · 4.125%
HK$57,087
baseline
▲ 0.50% · 4.625%
HK$60,561
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,174/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,761
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,364
−HK$1,626/mo
Today · 4.125%
HK$62,990
baseline
▲ 0.50% · 4.625%
HK$66,310
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,980/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,793 · Scale 2, in force from 26 Feb 2026)