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$29,872
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,801
−HK$944/mo
Today · 4.125%
HK$31,745
baseline
▲ 0.50% · 4.625%
HK$33,677
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,490/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,232
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$905/mo
Today · 4.125%
HK$35,028
baseline
▲ 0.50% · 4.625%
HK$36,874
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,056/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,846
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,961
−HK$1,133/mo
Today · 4.125%
HK$38,094
baseline
▲ 0.50% · 4.625%
HK$40,412
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,188/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,879
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,948
−HK$1,085/mo
Today · 4.125%
HK$42,033
baseline
▲ 0.50% · 4.625%
HK$44,249
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,066/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,821
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,121
−HK$1,322/mo
Today · 4.125%
HK$44,443
baseline
▲ 0.50% · 4.625%
HK$47,147
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,886/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,525
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,773
−HK$1,266/mo
Today · 4.125%
HK$49,039
baseline
▲ 0.50% · 4.625%
HK$51,624
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,078/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,769
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,442
−HK$1,699/mo
Today · 4.125%
HK$57,141
baseline
▲ 0.50% · 4.625%
HK$60,618
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,282/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,818
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,422
−HK$1,628/mo
Today · 4.125%
HK$63,050
baseline
▲ 0.50% · 4.625%
HK$66,373
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,100/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,259 · Scale 2, in force from 26 Feb 2026)