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$29,895
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,825
−HK$944/mo
Today · 4.125%
HK$31,769
baseline
▲ 0.50% · 4.625%
HK$33,703
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,538/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,258
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,150
−HK$904/mo
Today · 4.125%
HK$35,054
baseline
▲ 0.50% · 4.625%
HK$36,902
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,108/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,874
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,990
−HK$1,133/mo
Today · 4.125%
HK$38,123
baseline
▲ 0.50% · 4.625%
HK$40,443
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$76,246/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,909
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,979
−HK$1,086/mo
Today · 4.125%
HK$42,065
baseline
▲ 0.50% · 4.625%
HK$44,283
+HK$2,218/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$84,130/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,853
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,155
−HK$1,322/mo
Today · 4.125%
HK$44,477
baseline
▲ 0.50% · 4.625%
HK$47,184
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,954/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,561
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,809
−HK$1,267/mo
Today · 4.125%
HK$49,076
baseline
▲ 0.50% · 4.625%
HK$51,663
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,152/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,811
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,484
−HK$1,701/mo
Today · 4.125%
HK$57,185
baseline
▲ 0.50% · 4.625%
HK$60,665
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,370/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,864
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,469
−HK$1,629/mo
Today · 4.125%
HK$63,098
baseline
▲ 0.50% · 4.625%
HK$66,424
+HK$3,326/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,196/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,635 · Scale 2, in force from 26 Feb 2026)