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$29,878
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,807
−HK$944/mo
Today · 4.125%
HK$31,751
baseline
▲ 0.50% · 4.625%
HK$33,683
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,502/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,238
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,130
−HK$904/mo
Today · 4.125%
HK$35,034
baseline
▲ 0.50% · 4.625%
HK$36,881
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,068/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,853
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,968
−HK$1,133/mo
Today · 4.125%
HK$38,101
baseline
▲ 0.50% · 4.625%
HK$40,420
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,202/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,886
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,956
−HK$1,085/mo
Today · 4.125%
HK$42,041
baseline
▲ 0.50% · 4.625%
HK$44,257
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,082/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,829
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,130
−HK$1,322/mo
Today · 4.125%
HK$44,452
baseline
▲ 0.50% · 4.625%
HK$47,156
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,904/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,534
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,782
−HK$1,266/mo
Today · 4.125%
HK$49,048
baseline
▲ 0.50% · 4.625%
HK$51,633
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,096/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,780
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,452
−HK$1,700/mo
Today · 4.125%
HK$57,152
baseline
▲ 0.50% · 4.625%
HK$60,630
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,304/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,829
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,434
−HK$1,628/mo
Today · 4.125%
HK$63,062
baseline
▲ 0.50% · 4.625%
HK$66,386
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,124/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,352 · Scale 2, in force from 26 Feb 2026)