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$1,868/mo
▼ 0.25% · 3.875%
HK$30,723
−HK$941/mo
Today · 4.125%
HK$31,664
baseline
▲ 0.50% · 4.625%
HK$33,591
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,328/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,010 · 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$36,780
+HK$1,841/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$490,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,755
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,867
−HK$1,130/mo
Today · 4.125%
HK$37,997
baseline
▲ 0.50% · 4.625%
HK$40,309
+HK$2,312/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$75,994/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,777
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,844
−HK$1,082/mo
Today · 4.125%
HK$41,926
baseline
▲ 0.50% · 4.625%
HK$44,136
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,852/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,714
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,012
−HK$1,318/mo
Today · 4.125%
HK$44,330
baseline
▲ 0.50% · 4.625%
HK$47,028
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,660/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,407
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,651
−HK$1,263/mo
Today · 4.125%
HK$48,914
baseline
▲ 0.50% · 4.625%
HK$51,492
+HK$2,578/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$490,010 · 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$60,464
+HK$3,468/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$490,010 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,666
−HK$3,223/mo
▼ 0.25% · 3.875%
HK$61,266
−HK$1,623/mo
Today · 4.125%
HK$62,889
baseline
▲ 0.50% · 4.625%
HK$66,204
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,778/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,010 · Scale 2, in force from 26 Feb 2026)