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$29,831
−HK$1,870/mo
▼ 0.25% · 3.875%
HK$30,759
−HK$942/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,186
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$903/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$36,823
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,797
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,910
−HK$1,132/mo
Today · 4.125%
HK$38,042
baseline
▲ 0.50% · 4.625%
HK$40,356
+HK$2,314/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,084/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,824
−HK$2,151/mo
▼ 0.25% · 3.875%
HK$40,892
−HK$1,083/mo
Today · 4.125%
HK$41,975
baseline
▲ 0.50% · 4.625%
HK$44,188
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,950/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,763
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,062
−HK$1,320/mo
Today · 4.125%
HK$44,382
baseline
▲ 0.50% · 4.625%
HK$47,083
+HK$2,701/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,764/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,461
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,707
−HK$1,264/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,552
+HK$2,581/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,695
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,366
−HK$1,697/mo
Today · 4.125%
HK$57,063
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,126/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,736
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,338
−HK$1,625/mo
Today · 4.125%
HK$62,963
baseline
▲ 0.50% · 4.625%
HK$66,282
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,926/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,583 · Scale 2, in force from 26 Feb 2026)