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$29,912
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$945/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,722
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,277
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,169
−HK$906/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$36,924
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,895
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,011
−HK$1,134/mo
Today · 4.125%
HK$38,145
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,290/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,932
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,003
−HK$1,087/mo
Today · 4.125%
HK$42,090
baseline
▲ 0.50% · 4.625%
HK$44,308
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,180/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,877
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,180
−HK$1,323/mo
Today · 4.125%
HK$44,503
baseline
▲ 0.50% · 4.625%
HK$47,211
+HK$2,708/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,006/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,588
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,837
−HK$1,268/mo
Today · 4.125%
HK$49,105
baseline
▲ 0.50% · 4.625%
HK$51,693
+HK$2,588/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,210/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,842
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,517
−HK$1,701/mo
Today · 4.125%
HK$57,218
baseline
▲ 0.50% · 4.625%
HK$60,700
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,436/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,899
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,505
−HK$1,630/mo
Today · 4.125%
HK$63,135
baseline
▲ 0.50% · 4.625%
HK$66,463
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,270/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,921 · Scale 2, in force from 26 Feb 2026)