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$29,864
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,793
−HK$944/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,668
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,224
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,115
−HK$904/mo
Today · 4.125%
HK$35,019
baseline
▲ 0.50% · 4.625%
HK$36,865
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,038/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,837
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,952
−HK$1,133/mo
Today · 4.125%
HK$38,085
baseline
▲ 0.50% · 4.625%
HK$40,402
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,170/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,869
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,938
−HK$1,085/mo
Today · 4.125%
HK$42,023
baseline
▲ 0.50% · 4.625%
HK$44,238
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,046/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,810
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,111
−HK$1,321/mo
Today · 4.125%
HK$44,432
baseline
▲ 0.50% · 4.625%
HK$47,136
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,864/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,513
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,761
−HK$1,265/mo
Today · 4.125%
HK$49,026
baseline
▲ 0.50% · 4.625%
HK$51,611
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,052/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,756
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,428
−HK$1,699/mo
Today · 4.125%
HK$57,127
baseline
▲ 0.50% · 4.625%
HK$60,603
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,254/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,803
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,407
−HK$1,627/mo
Today · 4.125%
HK$63,034
baseline
▲ 0.50% · 4.625%
HK$66,356
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,068/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,135 · Scale 2, in force from 26 Feb 2026)