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$29,850
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,778
−HK$944/mo
Today · 4.125%
HK$31,722
baseline
▲ 0.50% · 4.625%
HK$33,652
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,444/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,207
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,098
−HK$904/mo
Today · 4.125%
HK$35,002
baseline
▲ 0.50% · 4.625%
HK$36,847
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,004/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,820
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,934
−HK$1,132/mo
Today · 4.125%
HK$38,066
baseline
▲ 0.50% · 4.625%
HK$40,382
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,132/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,849
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,918
−HK$1,084/mo
Today · 4.125%
HK$42,002
baseline
▲ 0.50% · 4.625%
HK$44,216
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$84,004/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,790
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,089
−HK$1,321/mo
Today · 4.125%
HK$44,410
baseline
▲ 0.50% · 4.625%
HK$47,112
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,820/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,490
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,737
−HK$1,265/mo
Today · 4.125%
HK$49,002
baseline
▲ 0.50% · 4.625%
HK$51,585
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,004/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,729
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,401
−HK$1,698/mo
Today · 4.125%
HK$57,099
baseline
▲ 0.50% · 4.625%
HK$60,573
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,198/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,773
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,377
−HK$1,626/mo
Today · 4.125%
HK$63,003
baseline
▲ 0.50% · 4.625%
HK$66,324
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,006/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,894 · Scale 2, in force from 26 Feb 2026)