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$29,833
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,761
−HK$943/mo
Today · 4.125%
HK$31,704
baseline
▲ 0.50% · 4.625%
HK$33,633
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,408/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,189
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,079
−HK$903/mo
Today · 4.125%
HK$34,982
baseline
▲ 0.50% · 4.625%
HK$36,826
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,964/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,800
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,914
−HK$1,131/mo
Today · 4.125%
HK$38,045
baseline
▲ 0.50% · 4.625%
HK$40,360
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,090/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,827
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,895
−HK$1,084/mo
Today · 4.125%
HK$41,979
baseline
▲ 0.50% · 4.625%
HK$44,192
+HK$2,213/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,958/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,767
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,066
−HK$1,320/mo
Today · 4.125%
HK$44,386
baseline
▲ 0.50% · 4.625%
HK$47,087
+HK$2,701/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,772/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,465
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,711
−HK$1,264/mo
Today · 4.125%
HK$48,975
baseline
▲ 0.50% · 4.625%
HK$51,557
+HK$2,582/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,950/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,700
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,370
−HK$1,697/mo
Today · 4.125%
HK$57,067
baseline
▲ 0.50% · 4.625%
HK$60,540
+HK$3,473/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,134/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,741
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,343
−HK$1,625/mo
Today · 4.125%
HK$62,968
baseline
▲ 0.50% · 4.625%
HK$66,287
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,936/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,625 · Scale 2, in force from 26 Feb 2026)