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$29,801
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,728
−HK$942/mo
Today · 4.125%
HK$31,670
baseline
▲ 0.50% · 4.625%
HK$33,597
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,340/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,153
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,042
−HK$902/mo
Today · 4.125%
HK$34,944
baseline
▲ 0.50% · 4.625%
HK$36,786
+HK$1,842/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,888/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,761
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,873
−HK$1,130/mo
Today · 4.125%
HK$38,003
baseline
▲ 0.50% · 4.625%
HK$40,316
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,006/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,784
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,851
−HK$1,082/mo
Today · 4.125%
HK$41,933
baseline
▲ 0.50% · 4.625%
HK$44,143
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,866/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,721
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,019
−HK$1,318/mo
Today · 4.125%
HK$44,337
baseline
▲ 0.50% · 4.625%
HK$47,035
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,674/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,414
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,659
−HK$1,263/mo
Today · 4.125%
HK$48,922
baseline
▲ 0.50% · 4.625%
HK$51,501
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,844/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,641
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,310
−HK$1,695/mo
Today · 4.125%
HK$57,005
baseline
▲ 0.50% · 4.625%
HK$60,474
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,010/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,675
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,276
−HK$1,624/mo
Today · 4.125%
HK$62,900
baseline
▲ 0.50% · 4.625%
HK$66,215
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,800/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,089 · Scale 2, in force from 26 Feb 2026)