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$29,877
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$945/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,238
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,129
−HK$905/mo
Today · 4.125%
HK$35,034
baseline
▲ 0.50% · 4.625%
HK$36,880
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,068/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,852
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,968
−HK$1,133/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,885
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,955
−HK$1,085/mo
Today · 4.125%
HK$42,040
baseline
▲ 0.50% · 4.625%
HK$44,256
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,080/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,828
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,129
−HK$1,322/mo
Today · 4.125%
HK$44,451
baseline
▲ 0.50% · 4.625%
HK$47,155
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,902/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,533
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,781
−HK$1,266/mo
Today · 4.125%
HK$49,047
baseline
▲ 0.50% · 4.625%
HK$51,632
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,094/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,779
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,451
−HK$1,700/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,628
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,828
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,433
−HK$1,627/mo
Today · 4.125%
HK$63,060
baseline
▲ 0.50% · 4.625%
HK$66,384
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,120/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,343 · Scale 2, in force from 26 Feb 2026)