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$29,888
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,818
−HK$944/mo
Today · 4.125%
HK$31,762
baseline
▲ 0.50% · 4.625%
HK$33,695
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,524/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,250
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,142
−HK$905/mo
Today · 4.125%
HK$35,047
baseline
▲ 0.50% · 4.625%
HK$36,894
+HK$1,847/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$491,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,866
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,981
−HK$1,134/mo
Today · 4.125%
HK$38,115
baseline
▲ 0.50% · 4.625%
HK$40,434
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,230/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,900
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,970
−HK$1,086/mo
Today · 4.125%
HK$42,056
baseline
▲ 0.50% · 4.625%
HK$44,273
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,112/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,843
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,145
−HK$1,322/mo
Today · 4.125%
HK$44,467
baseline
▲ 0.50% · 4.625%
HK$47,173
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,934/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,550
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,799
−HK$1,266/mo
Today · 4.125%
HK$49,065
baseline
▲ 0.50% · 4.625%
HK$51,652
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,130/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,799
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,472
−HK$1,700/mo
Today · 4.125%
HK$57,172
baseline
▲ 0.50% · 4.625%
HK$60,651
+HK$3,479/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,344/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,850
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,456
−HK$1,628/mo
Today · 4.125%
HK$63,084
baseline
▲ 0.50% · 4.625%
HK$66,409
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,168/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,526 · Scale 2, in force from 26 Feb 2026)