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$29,867
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,796
−HK$944/mo
Today · 4.125%
HK$31,740
baseline
▲ 0.50% · 4.625%
HK$33,672
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,480/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,227
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,118
−HK$904/mo
Today · 4.125%
HK$35,022
baseline
▲ 0.50% · 4.625%
HK$36,868
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,044/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,841
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,956
−HK$1,132/mo
Today · 4.125%
HK$38,088
baseline
▲ 0.50% · 4.625%
HK$40,406
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,176/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,873
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,942
−HK$1,085/mo
Today · 4.125%
HK$42,027
baseline
▲ 0.50% · 4.625%
HK$44,242
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,054/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,814
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,115
−HK$1,321/mo
Today · 4.125%
HK$44,436
baseline
▲ 0.50% · 4.625%
HK$47,140
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,872/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,518
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,766
−HK$1,265/mo
Today · 4.125%
HK$49,031
baseline
▲ 0.50% · 4.625%
HK$51,616
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,062/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,761
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,434
−HK$1,699/mo
Today · 4.125%
HK$57,133
baseline
▲ 0.50% · 4.625%
HK$60,609
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,266/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,809
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,413
−HK$1,627/mo
Today · 4.125%
HK$63,040
baseline
▲ 0.50% · 4.625%
HK$66,363
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,080/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,185 · Scale 2, in force from 26 Feb 2026)