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$29,897
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,827
−HK$945/mo
Today · 4.125%
HK$31,772
baseline
▲ 0.50% · 4.625%
HK$33,705
+HK$1,933/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,544/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,261
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,153
−HK$904/mo
Today · 4.125%
HK$35,057
baseline
▲ 0.50% · 4.625%
HK$36,905
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,114/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,877
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,993
−HK$1,134/mo
Today · 4.125%
HK$38,127
baseline
▲ 0.50% · 4.625%
HK$40,447
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$76,254/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,913
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,983
−HK$1,086/mo
Today · 4.125%
HK$42,069
baseline
▲ 0.50% · 4.625%
HK$44,287
+HK$2,218/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$84,138/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,856
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,158
−HK$1,323/mo
Today · 4.125%
HK$44,481
baseline
▲ 0.50% · 4.625%
HK$47,188
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,962/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,565
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,814
−HK$1,266/mo
Today · 4.125%
HK$49,080
baseline
▲ 0.50% · 4.625%
HK$51,668
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,160/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,815
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,489
−HK$1,701/mo
Today · 4.125%
HK$57,190
baseline
▲ 0.50% · 4.625%
HK$60,670
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,380/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,869
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,475
−HK$1,628/mo
Today · 4.125%
HK$63,103
baseline
▲ 0.50% · 4.625%
HK$66,430
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,206/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,678 · Scale 2, in force from 26 Feb 2026)