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$29,911
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,842
−HK$945/mo
Today · 4.125%
HK$31,787
baseline
▲ 0.50% · 4.625%
HK$33,721
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,574/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,276
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,169
−HK$905/mo
Today · 4.125%
HK$35,074
baseline
▲ 0.50% · 4.625%
HK$36,923
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,148/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,894
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,010
−HK$1,134/mo
Today · 4.125%
HK$38,144
baseline
▲ 0.50% · 4.625%
HK$40,465
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,288/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,931
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,002
−HK$1,087/mo
Today · 4.125%
HK$42,089
baseline
▲ 0.50% · 4.625%
HK$44,307
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,178/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,876
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,178
−HK$1,324/mo
Today · 4.125%
HK$44,502
baseline
▲ 0.50% · 4.625%
HK$47,210
+HK$2,708/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,004/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,586
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,836
−HK$1,267/mo
Today · 4.125%
HK$49,103
baseline
▲ 0.50% · 4.625%
HK$51,692
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,206/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,840
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,515
−HK$1,702/mo
Today · 4.125%
HK$57,217
baseline
▲ 0.50% · 4.625%
HK$60,698
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,434/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,897
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,503
−HK$1,630/mo
Today · 4.125%
HK$63,133
baseline
▲ 0.50% · 4.625%
HK$66,461
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,266/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,908 · Scale 2, in force from 26 Feb 2026)