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$29,878
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,808
−HK$944/mo
Today · 4.125%
HK$31,752
baseline
▲ 0.50% · 4.625%
HK$33,684
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,504/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,239
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,131
−HK$904/mo
Today · 4.125%
HK$35,035
baseline
▲ 0.50% · 4.625%
HK$36,882
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,070/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,854
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,969
−HK$1,133/mo
Today · 4.125%
HK$38,102
baseline
▲ 0.50% · 4.625%
HK$40,421
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,204/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,887
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,957
−HK$1,085/mo
Today · 4.125%
HK$42,042
baseline
▲ 0.50% · 4.625%
HK$44,258
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,084/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,830
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,131
−HK$1,322/mo
Today · 4.125%
HK$44,453
baseline
▲ 0.50% · 4.625%
HK$47,158
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,906/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,535
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,783
−HK$1,266/mo
Today · 4.125%
HK$49,049
baseline
▲ 0.50% · 4.625%
HK$51,635
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,098/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,781
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,454
−HK$1,700/mo
Today · 4.125%
HK$57,154
baseline
▲ 0.50% · 4.625%
HK$60,631
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,308/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,831
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,436
−HK$1,627/mo
Today · 4.125%
HK$63,063
baseline
▲ 0.50% · 4.625%
HK$66,388
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,126/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,366 · Scale 2, in force from 26 Feb 2026)