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$29,937
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,869
−HK$946/mo
Today · 4.125%
HK$31,815
baseline
▲ 0.50% · 4.625%
HK$33,751
+HK$1,936/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,630/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,305
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$906/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$36,955
+HK$1,851/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,925
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,042
−HK$1,136/mo
Today · 4.125%
HK$38,178
baseline
▲ 0.50% · 4.625%
HK$40,501
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,356/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,966
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,038
−HK$1,087/mo
Today · 4.125%
HK$42,125
baseline
▲ 0.50% · 4.625%
HK$44,346
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,250/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,912
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,216
−HK$1,325/mo
Today · 4.125%
HK$44,541
baseline
▲ 0.50% · 4.625%
HK$47,251
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,082/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,627
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,878
−HK$1,268/mo
Today · 4.125%
HK$49,146
baseline
▲ 0.50% · 4.625%
HK$51,737
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,292/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,887
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,563
−HK$1,703/mo
Today · 4.125%
HK$57,266
baseline
▲ 0.50% · 4.625%
HK$60,751
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,532/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,949
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,557
−HK$1,631/mo
Today · 4.125%
HK$63,188
baseline
▲ 0.50% · 4.625%
HK$66,519
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,376/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,336 · Scale 2, in force from 26 Feb 2026)