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$29,863
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,791
−HK$944/mo
Today · 4.125%
HK$31,735
baseline
▲ 0.50% · 4.625%
HK$33,666
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,470/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,222
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,113
−HK$904/mo
Today · 4.125%
HK$35,017
baseline
▲ 0.50% · 4.625%
HK$36,862
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,034/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,835
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,950
−HK$1,132/mo
Today · 4.125%
HK$38,082
baseline
▲ 0.50% · 4.625%
HK$40,399
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,164/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,866
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,935
−HK$1,085/mo
Today · 4.125%
HK$42,020
baseline
▲ 0.50% · 4.625%
HK$44,235
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,040/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,808
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,108
−HK$1,321/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$47,133
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,510
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,758
−HK$1,265/mo
Today · 4.125%
HK$49,023
baseline
▲ 0.50% · 4.625%
HK$51,607
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,046/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,753
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,425
−HK$1,698/mo
Today · 4.125%
HK$57,123
baseline
▲ 0.50% · 4.625%
HK$60,599
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,246/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,799
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,403
−HK$1,627/mo
Today · 4.125%
HK$63,030
baseline
▲ 0.50% · 4.625%
HK$66,352
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,060/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,105 · Scale 2, in force from 26 Feb 2026)