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$29,909
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$945/mo
Today · 4.125%
HK$31,785
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,570/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,166
−HK$905/mo
Today · 4.125%
HK$35,071
baseline
▲ 0.50% · 4.625%
HK$36,920
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,142/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,891
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,007
−HK$1,135/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,463
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,928
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$40,999
−HK$1,087/mo
Today · 4.125%
HK$42,086
baseline
▲ 0.50% · 4.625%
HK$44,304
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,172/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,873
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,175
−HK$1,324/mo
Today · 4.125%
HK$44,499
baseline
▲ 0.50% · 4.625%
HK$47,206
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,998/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,583
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,267/mo
Today · 4.125%
HK$49,100
baseline
▲ 0.50% · 4.625%
HK$51,688
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,200/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,837
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,511
−HK$1,702/mo
Today · 4.125%
HK$57,213
baseline
▲ 0.50% · 4.625%
HK$60,694
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,426/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,893
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,499
−HK$1,629/mo
Today · 4.125%
HK$63,128
baseline
▲ 0.50% · 4.625%
HK$66,456
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,256/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,873 · Scale 2, in force from 26 Feb 2026)