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$29,933
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,865
−HK$946/mo
Today · 4.125%
HK$31,811
baseline
▲ 0.50% · 4.625%
HK$33,746
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,622/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,301
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,194
−HK$906/mo
Today · 4.125%
HK$35,100
baseline
▲ 0.50% · 4.625%
HK$36,950
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,200/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,920
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,038
−HK$1,135/mo
Today · 4.125%
HK$38,173
baseline
▲ 0.50% · 4.625%
HK$40,495
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,346/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,961
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,033
−HK$1,087/mo
Today · 4.125%
HK$42,120
baseline
▲ 0.50% · 4.625%
HK$44,340
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,240/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,907
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,210
−HK$1,325/mo
Today · 4.125%
HK$44,535
baseline
▲ 0.50% · 4.625%
HK$47,245
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,070/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,621
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,871
−HK$1,269/mo
Today · 4.125%
HK$49,140
baseline
▲ 0.50% · 4.625%
HK$51,730
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,280/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,880
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,556
−HK$1,703/mo
Today · 4.125%
HK$57,259
baseline
▲ 0.50% · 4.625%
HK$60,743
+HK$3,484/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,518/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,941
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,549
−HK$1,631/mo
Today · 4.125%
HK$63,180
baseline
▲ 0.50% · 4.625%
HK$66,510
+HK$3,330/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,360/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,272 · Scale 2, in force from 26 Feb 2026)