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$29,839
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,767
−HK$943/mo
Today · 4.125%
HK$31,710
baseline
▲ 0.50% · 4.625%
HK$33,640
+HK$1,930/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,420/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,196
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,086
−HK$903/mo
Today · 4.125%
HK$34,989
baseline
▲ 0.50% · 4.625%
HK$36,833
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,978/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,807
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,921
−HK$1,131/mo
Today · 4.125%
HK$38,052
baseline
▲ 0.50% · 4.625%
HK$40,368
+HK$2,316/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,104/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,835
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,903
−HK$1,084/mo
Today · 4.125%
HK$41,987
baseline
▲ 0.50% · 4.625%
HK$44,200
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,974/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,775
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,074
−HK$1,320/mo
Today · 4.125%
HK$44,394
baseline
▲ 0.50% · 4.625%
HK$47,096
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,788/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,474
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,720
−HK$1,265/mo
Today · 4.125%
HK$48,985
baseline
▲ 0.50% · 4.625%
HK$51,567
+HK$2,582/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$97,970/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,710
−HK$3,368/mo
▼ 0.25% · 3.875%
HK$55,381
−HK$1,697/mo
Today · 4.125%
HK$57,078
baseline
▲ 0.50% · 4.625%
HK$60,552
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,156/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,752
−HK$3,228/mo
▼ 0.25% · 3.875%
HK$61,355
−HK$1,625/mo
Today · 4.125%
HK$62,980
baseline
▲ 0.50% · 4.625%
HK$66,300
+HK$3,320/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$125,960/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,720 · Scale 2, in force from 26 Feb 2026)