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$29,878
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,807
−HK$945/mo
Today · 4.125%
HK$31,752
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,504/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$904/mo
Today · 4.125%
HK$35,035
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,070/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$1,133/mo
Today · 4.125%
HK$38,102
baseline
▲ 0.50% · 4.625%
HK$40,420
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,204/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,887
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,085/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,829
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,130
−HK$1,322/mo
Today · 4.125%
HK$44,452
baseline
▲ 0.50% · 4.625%
HK$47,157
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,904/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,535
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,783
−HK$1,266/mo
Today · 4.125%
HK$49,049
baseline
▲ 0.50% · 4.625%
HK$51,634
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,098/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,781
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,453
−HK$1,700/mo
Today · 4.125%
HK$57,153
baseline
▲ 0.50% · 4.625%
HK$60,631
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,306/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,830
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,435
−HK$1,628/mo
Today · 4.125%
HK$63,063
baseline
▲ 0.50% · 4.625%
HK$66,387
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,126/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,361 · Scale 2, in force from 26 Feb 2026)