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$29,803
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,730
−HK$942/mo
Today · 4.125%
HK$31,672
baseline
▲ 0.50% · 4.625%
HK$33,600
+HK$1,928/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,344/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,156
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,045
−HK$902/mo
Today · 4.125%
HK$34,947
baseline
▲ 0.50% · 4.625%
HK$36,789
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,894/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,764
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,877
−HK$1,130/mo
Today · 4.125%
HK$38,007
baseline
▲ 0.50% · 4.625%
HK$40,319
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,014/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,787
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,854
−HK$1,083/mo
Today · 4.125%
HK$41,937
baseline
▲ 0.50% · 4.625%
HK$44,147
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,874/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,725
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,023
−HK$1,318/mo
Today · 4.125%
HK$44,341
baseline
▲ 0.50% · 4.625%
HK$47,039
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,682/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,418
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,663
−HK$1,263/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,505
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,646
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,315
−HK$1,695/mo
Today · 4.125%
HK$57,010
baseline
▲ 0.50% · 4.625%
HK$60,479
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,020/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,681
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,281
−HK$1,624/mo
Today · 4.125%
HK$62,905
baseline
▲ 0.50% · 4.625%
HK$66,221
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,810/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,133 · Scale 2, in force from 26 Feb 2026)