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$29,830
−HK$1,871/mo
▼ 0.25% · 3.875%
HK$30,758
−HK$943/mo
Today · 4.125%
HK$31,701
baseline
▲ 0.50% · 4.625%
HK$33,630
+HK$1,929/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$63,402/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,186
−HK$1,793/mo
▼ 0.25% · 3.875%
HK$34,076
−HK$903/mo
Today · 4.125%
HK$34,979
baseline
▲ 0.50% · 4.625%
HK$36,823
+HK$1,844/mo
Deposit HK$6.54M · loan HK$6.54M · min. income ≈ HK$69,958/mo (50% DSR)
Upfront cash ≈ HK$7.03M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,796
−HK$2,245/mo
▼ 0.25% · 3.875%
HK$36,910
−HK$1,131/mo
Today · 4.125%
HK$38,041
baseline
▲ 0.50% · 4.625%
HK$40,356
+HK$2,315/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$76,082/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,823
−HK$2,152/mo
▼ 0.25% · 3.875%
HK$40,891
−HK$1,084/mo
Today · 4.125%
HK$41,975
baseline
▲ 0.50% · 4.625%
HK$44,187
+HK$2,212/mo
Deposit HK$5.23M · loan HK$7.85M · min. income ≈ HK$83,950/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,762
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,061
−HK$1,320/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$47,082
+HK$2,701/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,460
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,706
−HK$1,264/mo
Today · 4.125%
HK$48,970
baseline
▲ 0.50% · 4.625%
HK$51,552
+HK$2,582/mo
Deposit HK$3.92M · loan HK$9.16M · min. income ≈ HK$97,940/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,695
−HK$3,367/mo
▼ 0.25% · 3.875%
HK$55,365
−HK$1,697/mo
Today · 4.125%
HK$57,062
baseline
▲ 0.50% · 4.625%
HK$60,534
+HK$3,472/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$114,124/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,735
−HK$3,227/mo
▼ 0.25% · 3.875%
HK$61,337
−HK$1,625/mo
Today · 4.125%
HK$62,962
baseline
▲ 0.50% · 4.625%
HK$66,281
+HK$3,319/mo
Deposit HK$1.31M · loan HK$11.77M · min. income ≈ HK$125,924/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,575 · Scale 2, in force from 26 Feb 2026)