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$29,936
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,867
−HK$946/mo
Today · 4.125%
HK$31,813
baseline
▲ 0.50% · 4.625%
HK$33,749
+HK$1,936/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,626/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,303
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,197
−HK$906/mo
Today · 4.125%
HK$35,103
baseline
▲ 0.50% · 4.625%
HK$36,953
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,206/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,923
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,041
−HK$1,135/mo
Today · 4.125%
HK$38,176
baseline
▲ 0.50% · 4.625%
HK$40,499
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,352/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,964
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,036
−HK$1,087/mo
Today · 4.125%
HK$42,123
baseline
▲ 0.50% · 4.625%
HK$44,344
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,246/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,910
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,214
−HK$1,325/mo
Today · 4.125%
HK$44,539
baseline
▲ 0.50% · 4.625%
HK$47,249
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,078/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,625
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,875
−HK$1,269/mo
Today · 4.125%
HK$49,144
baseline
▲ 0.50% · 4.625%
HK$51,734
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,288/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,885
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,561
−HK$1,703/mo
Today · 4.125%
HK$57,264
baseline
▲ 0.50% · 4.625%
HK$60,748
+HK$3,484/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,528/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,946
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,554
−HK$1,631/mo
Today · 4.125%
HK$63,185
baseline
▲ 0.50% · 4.625%
HK$66,516
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,370/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,313 · Scale 2, in force from 26 Feb 2026)