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$29,835
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,763
−HK$943/mo
Today · 4.125%
HK$31,706
baseline
▲ 0.50% · 4.625%
HK$33,636
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,412/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,192
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,082
−HK$903/mo
Today · 4.125%
HK$34,985
baseline
▲ 0.50% · 4.625%
HK$36,829
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,970/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,803
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,916
−HK$1,132/mo
Today · 4.125%
HK$38,048
baseline
▲ 0.50% · 4.625%
HK$40,363
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,096/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,830
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,898
−HK$1,084/mo
Today · 4.125%
HK$41,982
baseline
▲ 0.50% · 4.625%
HK$44,195
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,964/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,770
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,069
−HK$1,320/mo
Today · 4.125%
HK$44,389
baseline
▲ 0.50% · 4.625%
HK$47,090
+HK$2,701/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,778/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,468
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,715
−HK$1,264/mo
Today · 4.125%
HK$48,979
baseline
▲ 0.50% · 4.625%
HK$51,561
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,958/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,704
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,374
−HK$1,697/mo
Today · 4.125%
HK$57,071
baseline
▲ 0.50% · 4.625%
HK$60,544
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,142/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,745
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,347
−HK$1,626/mo
Today · 4.125%
HK$62,973
baseline
▲ 0.50% · 4.625%
HK$66,292
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,946/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,659 · Scale 2, in force from 26 Feb 2026)