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$29,845
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$944/mo
Today · 4.125%
HK$31,717
baseline
▲ 0.50% · 4.625%
HK$33,647
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,434/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,202
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,093
−HK$903/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$36,841
+HK$1,845/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,814
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,928
−HK$1,132/mo
Today · 4.125%
HK$38,060
baseline
▲ 0.50% · 4.625%
HK$40,376
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,120/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,843
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,911
−HK$1,084/mo
Today · 4.125%
HK$41,995
baseline
▲ 0.50% · 4.625%
HK$44,209
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$83,990/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,783
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,083
−HK$1,320/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$47,105
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,806/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,483
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,730
−HK$1,265/mo
Today · 4.125%
HK$48,995
baseline
▲ 0.50% · 4.625%
HK$51,577
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,990/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,721
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,392
−HK$1,698/mo
Today · 4.125%
HK$57,090
baseline
▲ 0.50% · 4.625%
HK$60,564
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,180/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,764
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,367
−HK$1,626/mo
Today · 4.125%
HK$62,993
baseline
▲ 0.50% · 4.625%
HK$66,314
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,986/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,819 · Scale 2, in force from 26 Feb 2026)