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$29,852
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,781
−HK$943/mo
Today · 4.125%
HK$31,724
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,448/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,210
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,101
−HK$903/mo
Today · 4.125%
HK$35,004
baseline
▲ 0.50% · 4.625%
HK$36,850
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,008/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,823
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,937
−HK$1,132/mo
Today · 4.125%
HK$38,069
baseline
▲ 0.50% · 4.625%
HK$40,385
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,138/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,852
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,921
−HK$1,084/mo
Today · 4.125%
HK$42,005
baseline
▲ 0.50% · 4.625%
HK$44,220
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$84,010/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,793
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,093
−HK$1,321/mo
Today · 4.125%
HK$44,414
baseline
▲ 0.50% · 4.625%
HK$47,116
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,828/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,494
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,741
−HK$1,265/mo
Today · 4.125%
HK$49,006
baseline
▲ 0.50% · 4.625%
HK$51,589
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,012/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,734
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,405
−HK$1,699/mo
Today · 4.125%
HK$57,104
baseline
▲ 0.50% · 4.625%
HK$60,578
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,208/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,778
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,382
−HK$1,626/mo
Today · 4.125%
HK$63,008
baseline
▲ 0.50% · 4.625%
HK$66,329
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,016/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,935 · Scale 2, in force from 26 Feb 2026)