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$29,890
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,820
−HK$945/mo
Today · 4.125%
HK$31,765
baseline
▲ 0.50% · 4.625%
HK$33,697
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,530/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,144
−HK$905/mo
Today · 4.125%
HK$35,049
baseline
▲ 0.50% · 4.625%
HK$36,897
+HK$1,848/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,098/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,868
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,984
−HK$1,133/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,437
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,903
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,973
−HK$1,086/mo
Today · 4.125%
HK$42,059
baseline
▲ 0.50% · 4.625%
HK$44,276
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,118/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,846
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,148
−HK$1,322/mo
Today · 4.125%
HK$44,470
baseline
▲ 0.50% · 4.625%
HK$47,176
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,940/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,553
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,802
−HK$1,267/mo
Today · 4.125%
HK$49,069
baseline
▲ 0.50% · 4.625%
HK$51,655
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,138/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,802
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,476
−HK$1,700/mo
Today · 4.125%
HK$57,176
baseline
▲ 0.50% · 4.625%
HK$60,655
+HK$3,479/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,352/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,854
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,460
−HK$1,628/mo
Today · 4.125%
HK$63,088
baseline
▲ 0.50% · 4.625%
HK$66,414
+HK$3,326/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,176/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,559 · Scale 2, in force from 26 Feb 2026)