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$29,849
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$944/mo
Today · 4.125%
HK$31,721
baseline
▲ 0.50% · 4.625%
HK$33,651
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,442/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,097
−HK$904/mo
Today · 4.125%
HK$35,001
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$1,844/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,002/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,819
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,933
−HK$1,132/mo
Today · 4.125%
HK$38,065
baseline
▲ 0.50% · 4.625%
HK$40,381
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,130/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,848
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,916
−HK$1,085/mo
Today · 4.125%
HK$42,001
baseline
▲ 0.50% · 4.625%
HK$44,215
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$84,002/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,788
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,088
−HK$1,321/mo
Today · 4.125%
HK$44,409
baseline
▲ 0.50% · 4.625%
HK$47,111
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,818/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,489
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,736
−HK$1,265/mo
Today · 4.125%
HK$49,001
baseline
▲ 0.50% · 4.625%
HK$51,584
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,002/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,728
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,399
−HK$1,698/mo
Today · 4.125%
HK$57,097
baseline
▲ 0.50% · 4.625%
HK$60,571
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,194/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,772
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,375
−HK$1,626/mo
Today · 4.125%
HK$63,001
baseline
▲ 0.50% · 4.625%
HK$66,322
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,002/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,880 · Scale 2, in force from 26 Feb 2026)