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$29,800
−HK$1,869/mo
▼ 0.25% · 3.875%
HK$30,727
−HK$942/mo
Today · 4.125%
HK$31,669
baseline
▲ 0.50% · 4.625%
HK$33,596
+HK$1,927/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$63,338/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,152
−HK$1,791/mo
▼ 0.25% · 3.875%
HK$34,041
−HK$902/mo
Today · 4.125%
HK$34,943
baseline
▲ 0.50% · 4.625%
HK$36,785
+HK$1,842/mo
Deposit HK$6.53M · loan HK$6.53M · min. income ≈ HK$69,886/mo (50% DSR)
Upfront cash ≈ HK$7.02M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,760
−HK$2,242/mo
▼ 0.25% · 3.875%
HK$36,872
−HK$1,130/mo
Today · 4.125%
HK$38,002
baseline
▲ 0.50% · 4.625%
HK$40,315
+HK$2,313/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$76,004/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,783
−HK$2,149/mo
▼ 0.25% · 3.875%
HK$40,849
−HK$1,083/mo
Today · 4.125%
HK$41,932
baseline
▲ 0.50% · 4.625%
HK$44,142
+HK$2,210/mo
Deposit HK$5.23M · loan HK$7.84M · min. income ≈ HK$83,864/mo (50% DSR)
Upfront cash ≈ HK$5.72M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,720
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,018
−HK$1,318/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$47,034
+HK$2,698/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,413
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,658
−HK$1,263/mo
Today · 4.125%
HK$48,921
baseline
▲ 0.50% · 4.625%
HK$51,499
+HK$2,578/mo
Deposit HK$3.92M · loan HK$9.15M · min. income ≈ HK$97,842/mo (50% DSR)
Upfront cash ≈ HK$4.41M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,640
−HK$3,364/mo
▼ 0.25% · 3.875%
HK$55,308
−HK$1,696/mo
Today · 4.125%
HK$57,004
baseline
▲ 0.50% · 4.625%
HK$60,472
+HK$3,468/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$114,008/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,674
−HK$3,224/mo
▼ 0.25% · 3.875%
HK$61,274
−HK$1,624/mo
Today · 4.125%
HK$62,898
baseline
▲ 0.50% · 4.625%
HK$66,213
+HK$3,315/mo
Deposit HK$1.31M · loan HK$11.76M · min. income ≈ HK$125,796/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,076 · Scale 2, in force from 26 Feb 2026)