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$29,879
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$944/mo
Today · 4.125%
HK$31,753
baseline
▲ 0.50% · 4.625%
HK$33,685
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,506/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,240
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,132
−HK$904/mo
Today · 4.125%
HK$35,036
baseline
▲ 0.50% · 4.625%
HK$36,883
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,072/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,855
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$1,133/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,422
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,889
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,958
−HK$1,086/mo
Today · 4.125%
HK$42,044
baseline
▲ 0.50% · 4.625%
HK$44,260
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,088/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,831
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,322/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$47,159
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,537
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,785
−HK$1,266/mo
Today · 4.125%
HK$49,051
baseline
▲ 0.50% · 4.625%
HK$51,636
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,102/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,783
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,456
−HK$1,699/mo
Today · 4.125%
HK$57,155
baseline
▲ 0.50% · 4.625%
HK$60,633
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,310/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,833
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,438
−HK$1,627/mo
Today · 4.125%
HK$63,065
baseline
▲ 0.50% · 4.625%
HK$66,390
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,130/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,382 · Scale 2, in force from 26 Feb 2026)