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$29,851
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,779
−HK$944/mo
Today · 4.125%
HK$31,723
baseline
▲ 0.50% · 4.625%
HK$33,653
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,446/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,209
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,099
−HK$904/mo
Today · 4.125%
HK$35,003
baseline
▲ 0.50% · 4.625%
HK$36,848
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,006/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,821
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,935
−HK$1,132/mo
Today · 4.125%
HK$38,067
baseline
▲ 0.50% · 4.625%
HK$40,384
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$76,134/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,850
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,919
−HK$1,084/mo
Today · 4.125%
HK$42,003
baseline
▲ 0.50% · 4.625%
HK$44,218
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.85M · min. income ≈ HK$84,006/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,791
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,091
−HK$1,321/mo
Today · 4.125%
HK$44,412
baseline
▲ 0.50% · 4.625%
HK$47,114
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,824/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,492
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,739
−HK$1,265/mo
Today · 4.125%
HK$49,004
baseline
▲ 0.50% · 4.625%
HK$51,587
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,008/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,731
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,403
−HK$1,698/mo
Today · 4.125%
HK$57,101
baseline
▲ 0.50% · 4.625%
HK$60,575
+HK$3,474/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,202/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,776
−HK$3,229/mo
▼ 0.25% · 3.875%
HK$61,379
−HK$1,626/mo
Today · 4.125%
HK$63,005
baseline
▲ 0.50% · 4.625%
HK$66,326
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,010/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,912 · Scale 2, in force from 26 Feb 2026)