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$29,934
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,865
−HK$946/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,936/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,301
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$906/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$36,951
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,921
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$1,136/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,496
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,087/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,341
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,211
−HK$1,325/mo
Today · 4.125%
HK$44,536
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,072/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,622
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,872
−HK$1,269/mo
Today · 4.125%
HK$49,141
baseline
▲ 0.50% · 4.625%
HK$51,731
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,282/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,882
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,558
−HK$1,702/mo
Today · 4.125%
HK$57,260
baseline
▲ 0.50% · 4.625%
HK$60,745
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,520/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,943
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,550
−HK$1,631/mo
Today · 4.125%
HK$63,181
baseline
▲ 0.50% · 4.625%
HK$66,512
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,362/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,284 · Scale 2, in force from 26 Feb 2026)