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$29,848
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,777
−HK$943/mo
Today · 4.125%
HK$31,720
baseline
▲ 0.50% · 4.625%
HK$33,650
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,440/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,206
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$904/mo
Today · 4.125%
HK$35,000
baseline
▲ 0.50% · 4.625%
HK$36,845
+HK$1,845/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$70,000/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,818
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,932
−HK$1,132/mo
Today · 4.125%
HK$38,064
baseline
▲ 0.50% · 4.625%
HK$40,380
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,128/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,847
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,916
−HK$1,084/mo
Today · 4.125%
HK$42,000
baseline
▲ 0.50% · 4.625%
HK$44,214
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$84,000/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,788
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,321/mo
Today · 4.125%
HK$44,408
baseline
▲ 0.50% · 4.625%
HK$47,110
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,816/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,488
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,735
−HK$1,265/mo
Today · 4.125%
HK$49,000
baseline
▲ 0.50% · 4.625%
HK$51,583
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,000/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,727
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,398
−HK$1,698/mo
Today · 4.125%
HK$57,096
baseline
▲ 0.50% · 4.625%
HK$60,570
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,192/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,771
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,374
−HK$1,626/mo
Today · 4.125%
HK$63,000
baseline
▲ 0.50% · 4.625%
HK$66,321
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,000/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,870 · Scale 2, in force from 26 Feb 2026)