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$29,916
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,847
−HK$945/mo
Today · 4.125%
HK$31,792
baseline
▲ 0.50% · 4.625%
HK$33,727
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,584/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,282
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,174
−HK$906/mo
Today · 4.125%
HK$35,080
baseline
▲ 0.50% · 4.625%
HK$36,929
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,160/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,900
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,016
−HK$1,135/mo
Today · 4.125%
HK$38,151
baseline
▲ 0.50% · 4.625%
HK$40,472
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,302/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,938
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,009
−HK$1,087/mo
Today · 4.125%
HK$42,096
baseline
▲ 0.50% · 4.625%
HK$44,315
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,192/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,883
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,323/mo
Today · 4.125%
HK$44,509
baseline
▲ 0.50% · 4.625%
HK$47,218
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,018/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,594
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,844
−HK$1,268/mo
Today · 4.125%
HK$49,112
baseline
▲ 0.50% · 4.625%
HK$51,701
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,224/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,850
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,525
−HK$1,701/mo
Today · 4.125%
HK$57,226
baseline
▲ 0.50% · 4.625%
HK$60,709
+HK$3,483/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,452/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,907
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,514
−HK$1,630/mo
Today · 4.125%
HK$63,144
baseline
▲ 0.50% · 4.625%
HK$66,472
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,288/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,992 · Scale 2, in force from 26 Feb 2026)