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$1,871/mo
▼ 0.25% · 3.875%
HK$30,776
−HK$943/mo
Today · 4.125%
HK$31,719
baseline
▲ 0.50% · 4.625%
HK$33,649
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,438/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,205
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,096
−HK$903/mo
Today · 4.125%
HK$34,999
baseline
▲ 0.50% · 4.625%
HK$36,844
+HK$1,845/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,998/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,817
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,931
−HK$1,132/mo
Today · 4.125%
HK$38,063
baseline
▲ 0.50% · 4.625%
HK$40,379
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,126/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,846
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,915
−HK$1,084/mo
Today · 4.125%
HK$41,999
baseline
▲ 0.50% · 4.625%
HK$44,213
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$83,998/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,787
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,087
−HK$1,320/mo
Today · 4.125%
HK$44,407
baseline
▲ 0.50% · 4.625%
HK$47,109
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,814/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,487
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,734
−HK$1,265/mo
Today · 4.125%
HK$48,999
baseline
▲ 0.50% · 4.625%
HK$51,582
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,998/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,726
−HK$3,369/mo
▼ 0.25% · 3.875%
HK$55,397
−HK$1,698/mo
Today · 4.125%
HK$57,095
baseline
▲ 0.50% · 4.625%
HK$60,569
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,190/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,769
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,372
−HK$1,627/mo
Today · 4.125%
HK$62,999
baseline
▲ 0.50% · 4.625%
HK$66,319
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,998/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,862 · Scale 2, in force from 26 Feb 2026)