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$29,866
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,795
−HK$944/mo
Today · 4.125%
HK$31,739
baseline
▲ 0.50% · 4.625%
HK$33,671
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,478/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,226
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,117
−HK$904/mo
Today · 4.125%
HK$35,021
baseline
▲ 0.50% · 4.625%
HK$36,867
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,042/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,840
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,954
−HK$1,133/mo
Today · 4.125%
HK$38,087
baseline
▲ 0.50% · 4.625%
HK$40,405
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,174/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,871
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,941
−HK$1,084/mo
Today · 4.125%
HK$42,025
baseline
▲ 0.50% · 4.625%
HK$44,241
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,050/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,813
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,114
−HK$1,321/mo
Today · 4.125%
HK$44,435
baseline
▲ 0.50% · 4.625%
HK$47,139
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,870/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,516
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,764
−HK$1,266/mo
Today · 4.125%
HK$49,030
baseline
▲ 0.50% · 4.625%
HK$51,614
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,060/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,760
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,432
−HK$1,699/mo
Today · 4.125%
HK$57,131
baseline
▲ 0.50% · 4.625%
HK$60,607
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,262/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,807
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,411
−HK$1,627/mo
Today · 4.125%
HK$63,038
baseline
▲ 0.50% · 4.625%
HK$66,361
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,076/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,169 · Scale 2, in force from 26 Feb 2026)