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$29,885
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,815
−HK$944/mo
Today · 4.125%
HK$31,759
baseline
▲ 0.50% · 4.625%
HK$33,692
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,518/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,247
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,139
−HK$904/mo
Today · 4.125%
HK$35,043
baseline
▲ 0.50% · 4.625%
HK$36,890
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,086/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,862
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,978
−HK$1,133/mo
Today · 4.125%
HK$38,111
baseline
▲ 0.50% · 4.625%
HK$40,430
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,222/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,896
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,966
−HK$1,086/mo
Today · 4.125%
HK$42,052
baseline
▲ 0.50% · 4.625%
HK$44,268
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,104/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,839
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,141
−HK$1,322/mo
Today · 4.125%
HK$44,463
baseline
▲ 0.50% · 4.625%
HK$47,168
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,926/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,546
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,794
−HK$1,266/mo
Today · 4.125%
HK$49,060
baseline
▲ 0.50% · 4.625%
HK$51,646
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,120/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,793
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,466
−HK$1,700/mo
Today · 4.125%
HK$57,166
baseline
▲ 0.50% · 4.625%
HK$60,645
+HK$3,479/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,332/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,844
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,449
−HK$1,629/mo
Today · 4.125%
HK$63,078
baseline
▲ 0.50% · 4.625%
HK$66,402
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,156/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,477 · Scale 2, in force from 26 Feb 2026)