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$29,920
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,850
−HK$946/mo
Today · 4.125%
HK$31,796
baseline
▲ 0.50% · 4.625%
HK$33,731
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,592/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,285
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,178
−HK$906/mo
Today · 4.125%
HK$35,084
baseline
▲ 0.50% · 4.625%
HK$36,933
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,168/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,904
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,020
−HK$1,135/mo
Today · 4.125%
HK$38,155
baseline
▲ 0.50% · 4.625%
HK$40,477
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,310/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,942
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,014
−HK$1,086/mo
Today · 4.125%
HK$42,100
baseline
▲ 0.50% · 4.625%
HK$44,320
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,200/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,888
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,190
−HK$1,324/mo
Today · 4.125%
HK$44,514
baseline
▲ 0.50% · 4.625%
HK$47,223
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,028/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,599
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,849
−HK$1,268/mo
Today · 4.125%
HK$49,117
baseline
▲ 0.50% · 4.625%
HK$51,706
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,234/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,855
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,531
−HK$1,702/mo
Today · 4.125%
HK$57,233
baseline
▲ 0.50% · 4.625%
HK$60,715
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,466/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,914
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,520
−HK$1,631/mo
Today · 4.125%
HK$63,151
baseline
▲ 0.50% · 4.625%
HK$66,479
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,302/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,045 · Scale 2, in force from 26 Feb 2026)