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$29,855
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$943/mo
Today · 4.125%
HK$31,727
baseline
▲ 0.50% · 4.625%
HK$33,658
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,454/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,213
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,104
−HK$904/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$36,853
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,826
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,940
−HK$1,133/mo
Today · 4.125%
HK$38,073
baseline
▲ 0.50% · 4.625%
HK$40,389
+HK$2,316/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,146/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,856
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,925
−HK$1,084/mo
Today · 4.125%
HK$42,009
baseline
▲ 0.50% · 4.625%
HK$44,224
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,018/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,797
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,097
−HK$1,321/mo
Today · 4.125%
HK$44,418
baseline
▲ 0.50% · 4.625%
HK$47,121
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,836/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,499
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,746
−HK$1,265/mo
Today · 4.125%
HK$49,011
baseline
▲ 0.50% · 4.625%
HK$51,594
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,022/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,739
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,411
−HK$1,698/mo
Today · 4.125%
HK$57,109
baseline
▲ 0.50% · 4.625%
HK$60,584
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,218/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,784
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,388
−HK$1,626/mo
Today · 4.125%
HK$63,014
baseline
▲ 0.50% · 4.625%
HK$66,336
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,028/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,982 · Scale 2, in force from 26 Feb 2026)