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$29,889
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$945/mo
Today · 4.125%
HK$31,763
baseline
▲ 0.50% · 4.625%
HK$33,696
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,526/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,251
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,143
−HK$904/mo
Today · 4.125%
HK$35,047
baseline
▲ 0.50% · 4.625%
HK$36,895
+HK$1,848/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,094/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,982
−HK$1,134/mo
Today · 4.125%
HK$38,116
baseline
▲ 0.50% · 4.625%
HK$40,435
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,232/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,901
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,971
−HK$1,086/mo
Today · 4.125%
HK$42,057
baseline
▲ 0.50% · 4.625%
HK$44,274
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,114/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,844
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,146
−HK$1,322/mo
Today · 4.125%
HK$44,468
baseline
▲ 0.50% · 4.625%
HK$47,174
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,936/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,551
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,800
−HK$1,266/mo
Today · 4.125%
HK$49,066
baseline
▲ 0.50% · 4.625%
HK$51,653
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,132/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,800
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,473
−HK$1,701/mo
Today · 4.125%
HK$57,174
baseline
▲ 0.50% · 4.625%
HK$60,652
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,348/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,852
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,457
−HK$1,628/mo
Today · 4.125%
HK$63,085
baseline
▲ 0.50% · 4.625%
HK$66,411
+HK$3,326/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,170/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,537 · Scale 2, in force from 26 Feb 2026)