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$29,902
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,833
−HK$945/mo
Today · 4.125%
HK$31,778
baseline
▲ 0.50% · 4.625%
HK$33,711
+HK$1,933/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,556/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,266
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,158
−HK$905/mo
Today · 4.125%
HK$35,063
baseline
▲ 0.50% · 4.625%
HK$36,912
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,126/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,883
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,999
−HK$1,134/mo
Today · 4.125%
HK$38,133
baseline
▲ 0.50% · 4.625%
HK$40,453
+HK$2,320/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,266/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,919
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,990
−HK$1,086/mo
Today · 4.125%
HK$42,076
baseline
▲ 0.50% · 4.625%
HK$44,294
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,152/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,863
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,166
−HK$1,323/mo
Today · 4.125%
HK$44,489
baseline
▲ 0.50% · 4.625%
HK$47,196
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,978/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,573
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,822
−HK$1,267/mo
Today · 4.125%
HK$49,089
baseline
▲ 0.50% · 4.625%
HK$51,676
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,178/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,824
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,499
−HK$1,701/mo
Today · 4.125%
HK$57,200
baseline
▲ 0.50% · 4.625%
HK$60,680
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,400/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,879
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,485
−HK$1,629/mo
Today · 4.125%
HK$63,114
baseline
▲ 0.50% · 4.625%
HK$66,441
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,228/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,761 · Scale 2, in force from 26 Feb 2026)