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$29,804
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,731
−HK$942/mo
Today · 4.125%
HK$31,673
baseline
▲ 0.50% · 4.625%
HK$33,600
+HK$1,927/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,346/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,157
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,046
−HK$902/mo
Today · 4.125%
HK$34,948
baseline
▲ 0.50% · 4.625%
HK$36,790
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,896/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,765
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,877
−HK$1,131/mo
Today · 4.125%
HK$38,008
baseline
▲ 0.50% · 4.625%
HK$40,320
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,016/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,788
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,855
−HK$1,083/mo
Today · 4.125%
HK$41,938
baseline
▲ 0.50% · 4.625%
HK$44,148
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,876/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,726
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,024
−HK$1,318/mo
Today · 4.125%
HK$44,342
baseline
▲ 0.50% · 4.625%
HK$47,040
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,684/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,419
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,664
−HK$1,263/mo
Today · 4.125%
HK$48,927
baseline
▲ 0.50% · 4.625%
HK$51,506
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,854/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,647
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,316
−HK$1,695/mo
Today · 4.125%
HK$57,011
baseline
▲ 0.50% · 4.625%
HK$60,480
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,022/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,682
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,283
−HK$1,624/mo
Today · 4.125%
HK$62,907
baseline
▲ 0.50% · 4.625%
HK$66,222
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,814/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,144 · Scale 2, in force from 26 Feb 2026)