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$1,871/mo
▼ 0.25% · 3.875%
HK$30,773
−HK$943/mo
Today · 4.125%
HK$31,716
baseline
▲ 0.50% · 4.625%
HK$33,646
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,432/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,202
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,092
−HK$904/mo
Today · 4.125%
HK$34,996
baseline
▲ 0.50% · 4.625%
HK$36,840
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,992/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,813
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,927
−HK$1,132/mo
Today · 4.125%
HK$38,059
baseline
▲ 0.50% · 4.625%
HK$40,375
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,118/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,842
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,911
−HK$1,084/mo
Today · 4.125%
HK$41,995
baseline
▲ 0.50% · 4.625%
HK$44,208
+HK$2,213/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$490,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,782
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,082
−HK$1,321/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$47,104
+HK$2,701/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$490,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,483
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,729
−HK$1,265/mo
Today · 4.125%
HK$48,994
baseline
▲ 0.50% · 4.625%
HK$51,576
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,988/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,720
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,391
−HK$1,698/mo
Today · 4.125%
HK$57,089
baseline
▲ 0.50% · 4.625%
HK$60,563
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,178/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,763
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,366
−HK$1,626/mo
Today · 4.125%
HK$62,992
baseline
▲ 0.50% · 4.625%
HK$66,312
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,984/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,810 · Scale 2, in force from 26 Feb 2026)