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$29,914
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,844
−HK$946/mo
Today · 4.125%
HK$31,790
baseline
▲ 0.50% · 4.625%
HK$33,724
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,580/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,279
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,171
−HK$906/mo
Today · 4.125%
HK$35,077
baseline
▲ 0.50% · 4.625%
HK$36,926
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,154/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,897
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,013
−HK$1,135/mo
Today · 4.125%
HK$38,148
baseline
▲ 0.50% · 4.625%
HK$40,469
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,296/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,935
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,006
−HK$1,086/mo
Today · 4.125%
HK$42,092
baseline
▲ 0.50% · 4.625%
HK$44,311
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,184/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,879
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,182
−HK$1,323/mo
Today · 4.125%
HK$44,505
baseline
▲ 0.50% · 4.625%
HK$47,214
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,010/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,590
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,840
−HK$1,267/mo
Today · 4.125%
HK$49,107
baseline
▲ 0.50% · 4.625%
HK$51,696
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,214/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,845
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,520
−HK$1,701/mo
Today · 4.125%
HK$57,221
baseline
▲ 0.50% · 4.625%
HK$60,703
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,442/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,902
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,508
−HK$1,630/mo
Today · 4.125%
HK$63,138
baseline
▲ 0.50% · 4.625%
HK$66,466
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,276/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,948 · Scale 2, in force from 26 Feb 2026)