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$29,880
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,809
−HK$945/mo
Today · 4.125%
HK$31,754
baseline
▲ 0.50% · 4.625%
HK$33,686
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,508/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,241
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,133
−HK$904/mo
Today · 4.125%
HK$35,037
baseline
▲ 0.50% · 4.625%
HK$36,884
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,074/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,856
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,971
−HK$1,133/mo
Today · 4.125%
HK$38,104
baseline
▲ 0.50% · 4.625%
HK$40,423
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,208/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,889
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,959
−HK$1,085/mo
Today · 4.125%
HK$42,044
baseline
▲ 0.50% · 4.625%
HK$44,261
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,088/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,832
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,133
−HK$1,322/mo
Today · 4.125%
HK$44,455
baseline
▲ 0.50% · 4.625%
HK$47,160
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,910/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,538
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,786
−HK$1,266/mo
Today · 4.125%
HK$49,052
baseline
▲ 0.50% · 4.625%
HK$51,637
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,104/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,784
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,457
−HK$1,700/mo
Today · 4.125%
HK$57,157
baseline
▲ 0.50% · 4.625%
HK$60,634
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,314/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,834
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,439
−HK$1,628/mo
Today · 4.125%
HK$63,067
baseline
▲ 0.50% · 4.625%
HK$66,391
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,134/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,391 · Scale 2, in force from 26 Feb 2026)