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$29,859
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,788
−HK$943/mo
Today · 4.125%
HK$31,731
baseline
▲ 0.50% · 4.625%
HK$33,662
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,462/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,218
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,109
−HK$903/mo
Today · 4.125%
HK$35,012
baseline
▲ 0.50% · 4.625%
HK$36,858
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,024/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,831
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,945
−HK$1,133/mo
Today · 4.125%
HK$38,078
baseline
▲ 0.50% · 4.625%
HK$40,394
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,156/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,861
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,930
−HK$1,085/mo
Today · 4.125%
HK$42,015
baseline
▲ 0.50% · 4.625%
HK$44,229
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,030/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,802
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,103
−HK$1,321/mo
Today · 4.125%
HK$44,424
baseline
▲ 0.50% · 4.625%
HK$47,127
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,848/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,505
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,752
−HK$1,265/mo
Today · 4.125%
HK$49,017
baseline
▲ 0.50% · 4.625%
HK$51,601
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,034/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,746
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,418
−HK$1,698/mo
Today · 4.125%
HK$57,116
baseline
▲ 0.50% · 4.625%
HK$60,592
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,232/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,792
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,395
−HK$1,627/mo
Today · 4.125%
HK$63,022
baseline
▲ 0.50% · 4.625%
HK$66,344
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,044/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,045 · Scale 2, in force from 26 Feb 2026)