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$29,939
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,870
−HK$947/mo
Today · 4.125%
HK$31,817
baseline
▲ 0.50% · 4.625%
HK$33,753
+HK$1,936/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,634/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,307
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,200
−HK$906/mo
Today · 4.125%
HK$35,106
baseline
▲ 0.50% · 4.625%
HK$36,957
+HK$1,851/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,212/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,927
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,044
−HK$1,136/mo
Today · 4.125%
HK$38,180
baseline
▲ 0.50% · 4.625%
HK$40,503
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,360/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,968
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,040
−HK$1,088/mo
Today · 4.125%
HK$42,128
baseline
▲ 0.50% · 4.625%
HK$44,348
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,256/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,915
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,219
−HK$1,324/mo
Today · 4.125%
HK$44,543
baseline
▲ 0.50% · 4.625%
HK$47,254
+HK$2,711/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,086/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,630
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,880
−HK$1,269/mo
Today · 4.125%
HK$49,149
baseline
▲ 0.50% · 4.625%
HK$51,740
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,298/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,890
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$55,567
−HK$1,703/mo
Today · 4.125%
HK$57,270
baseline
▲ 0.50% · 4.625%
HK$60,755
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,540/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,953
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,560
−HK$1,632/mo
Today · 4.125%
HK$63,192
baseline
▲ 0.50% · 4.625%
HK$66,523
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,384/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,365 · Scale 2, in force from 26 Feb 2026)