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$29,796
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,723
−HK$942/mo
Today · 4.125%
HK$31,665
baseline
▲ 0.50% · 4.625%
HK$33,591
+HK$1,926/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,330/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,148
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,037
−HK$902/mo
Today · 4.125%
HK$34,939
baseline
▲ 0.50% · 4.625%
HK$36,781
+HK$1,842/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,878/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,755
−HK$2,243/mo
▼ 0.25% · 3.875%
HK$36,868
−HK$1,130/mo
Today · 4.125%
HK$37,998
baseline
▲ 0.50% · 4.625%
HK$40,310
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,996/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,778
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,844
−HK$1,083/mo
Today · 4.125%
HK$41,927
baseline
▲ 0.50% · 4.625%
HK$44,137
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,854/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,715
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,012
−HK$1,319/mo
Today · 4.125%
HK$44,331
baseline
▲ 0.50% · 4.625%
HK$47,028
+HK$2,697/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,662/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,407
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,652
−HK$1,262/mo
Today · 4.125%
HK$48,914
baseline
▲ 0.50% · 4.625%
HK$51,493
+HK$2,579/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,828/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,633
−HK$3,363/mo
▼ 0.25% · 3.875%
HK$55,301
−HK$1,695/mo
Today · 4.125%
HK$56,996
baseline
▲ 0.50% · 4.625%
HK$60,465
+HK$3,469/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$113,992/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,267
−HK$1,623/mo
Today · 4.125%
HK$62,890
baseline
▲ 0.50% · 4.625%
HK$66,205
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,780/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,015 · Scale 2, in force from 26 Feb 2026)