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$29,892
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,822
−HK$945/mo
Today · 4.125%
HK$31,767
baseline
▲ 0.50% · 4.625%
HK$33,700
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,534/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,255
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,147
−HK$905/mo
Today · 4.125%
HK$35,052
baseline
▲ 0.50% · 4.625%
HK$36,899
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,104/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,871
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,987
−HK$1,133/mo
Today · 4.125%
HK$38,120
baseline
▲ 0.50% · 4.625%
HK$40,440
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$76,240/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,906
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,976
−HK$1,086/mo
Today · 4.125%
HK$42,062
baseline
▲ 0.50% · 4.625%
HK$44,279
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$84,124/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,849
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,151
−HK$1,323/mo
Today · 4.125%
HK$44,474
baseline
▲ 0.50% · 4.625%
HK$47,180
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,948/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,557
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,805
−HK$1,267/mo
Today · 4.125%
HK$49,072
baseline
▲ 0.50% · 4.625%
HK$51,659
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,144/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,806
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,480
−HK$1,700/mo
Today · 4.125%
HK$57,180
baseline
▲ 0.50% · 4.625%
HK$60,660
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,360/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,859
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,464
−HK$1,629/mo
Today · 4.125%
HK$63,093
baseline
▲ 0.50% · 4.625%
HK$66,418
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,186/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,595 · Scale 2, in force from 26 Feb 2026)