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$29,836
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,764
−HK$943/mo
Today · 4.125%
HK$31,707
baseline
▲ 0.50% · 4.625%
HK$33,637
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,414/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,193
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,083
−HK$903/mo
Today · 4.125%
HK$34,986
baseline
▲ 0.50% · 4.625%
HK$36,830
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,972/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,804
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,917
−HK$1,132/mo
Today · 4.125%
HK$38,049
baseline
▲ 0.50% · 4.625%
HK$40,364
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,098/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,831
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,899
−HK$1,084/mo
Today · 4.125%
HK$41,983
baseline
▲ 0.50% · 4.625%
HK$44,196
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,966/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,771
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,070
−HK$1,320/mo
Today · 4.125%
HK$44,390
baseline
▲ 0.50% · 4.625%
HK$47,091
+HK$2,701/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,780/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,470
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,716
−HK$1,264/mo
Today · 4.125%
HK$48,980
baseline
▲ 0.50% · 4.625%
HK$51,562
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,960/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,705
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,376
−HK$1,697/mo
Today · 4.125%
HK$57,073
baseline
▲ 0.50% · 4.625%
HK$60,546
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,146/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,747
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,349
−HK$1,626/mo
Today · 4.125%
HK$62,975
baseline
▲ 0.50% · 4.625%
HK$66,294
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,950/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,675 · Scale 2, in force from 26 Feb 2026)