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$29,805
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,732
−HK$942/mo
Today · 4.125%
HK$31,674
baseline
▲ 0.50% · 4.625%
HK$33,601
+HK$1,927/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,348/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,157
−HK$1,792/mo
▼ 0.25% · 3.875%
HK$34,047
−HK$902/mo
Today · 4.125%
HK$34,949
baseline
▲ 0.50% · 4.625%
HK$36,791
+HK$1,842/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,898/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,766
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,878
−HK$1,131/mo
Today · 4.125%
HK$38,009
baseline
▲ 0.50% · 4.625%
HK$40,321
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,018/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,789
−HK$2,150/mo
▼ 0.25% · 3.875%
HK$40,856
−HK$1,083/mo
Today · 4.125%
HK$41,939
baseline
▲ 0.50% · 4.625%
HK$44,149
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,878/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,727
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,025
−HK$1,318/mo
Today · 4.125%
HK$44,343
baseline
▲ 0.50% · 4.625%
HK$47,041
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,686/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,420
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,665
−HK$1,263/mo
Today · 4.125%
HK$48,928
baseline
▲ 0.50% · 4.625%
HK$51,508
+HK$2,580/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,856/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,649
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,317
−HK$1,696/mo
Today · 4.125%
HK$57,013
baseline
▲ 0.50% · 4.625%
HK$60,482
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,026/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,683
−HK$3,225/mo
▼ 0.25% · 3.875%
HK$61,284
−HK$1,624/mo
Today · 4.125%
HK$62,908
baseline
▲ 0.50% · 4.625%
HK$66,224
+HK$3,316/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,816/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,155 · Scale 2, in force from 26 Feb 2026)