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$29,843
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,771
−HK$943/mo
Today · 4.125%
HK$31,714
baseline
▲ 0.50% · 4.625%
HK$33,644
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,428/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,200
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,090
−HK$904/mo
Today · 4.125%
HK$34,994
baseline
▲ 0.50% · 4.625%
HK$36,838
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,988/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,811
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,925
−HK$1,132/mo
Today · 4.125%
HK$38,057
baseline
▲ 0.50% · 4.625%
HK$40,373
+HK$2,316/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,114/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,840
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,908
−HK$1,084/mo
Today · 4.125%
HK$41,992
baseline
▲ 0.50% · 4.625%
HK$44,206
+HK$2,214/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,984/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,780
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,080
−HK$1,320/mo
Today · 4.125%
HK$44,400
baseline
▲ 0.50% · 4.625%
HK$47,102
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,800/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,480
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,726
−HK$1,265/mo
Today · 4.125%
HK$48,991
baseline
▲ 0.50% · 4.625%
HK$51,573
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,982/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,717
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,388
−HK$1,698/mo
Today · 4.125%
HK$57,086
baseline
▲ 0.50% · 4.625%
HK$60,559
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,172/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,760
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,362
−HK$1,626/mo
Today · 4.125%
HK$62,988
baseline
▲ 0.50% · 4.625%
HK$66,309
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,976/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,782 · Scale 2, in force from 26 Feb 2026)