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$29,935
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,866
−HK$946/mo
Today · 4.125%
HK$31,812
baseline
▲ 0.50% · 4.625%
HK$33,747
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,624/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,302
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,195
−HK$906/mo
Today · 4.125%
HK$35,101
baseline
▲ 0.50% · 4.625%
HK$36,951
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,202/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,922
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,039
−HK$1,135/mo
Today · 4.125%
HK$38,174
baseline
▲ 0.50% · 4.625%
HK$40,497
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,348/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,962
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,034
−HK$1,087/mo
Today · 4.125%
HK$42,121
baseline
▲ 0.50% · 4.625%
HK$44,342
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,242/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,908
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,212
−HK$1,325/mo
Today · 4.125%
HK$44,537
baseline
▲ 0.50% · 4.625%
HK$47,246
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,074/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,623
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,873
−HK$1,269/mo
Today · 4.125%
HK$49,142
baseline
▲ 0.50% · 4.625%
HK$51,732
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,284/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,882
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,558
−HK$1,703/mo
Today · 4.125%
HK$57,261
baseline
▲ 0.50% · 4.625%
HK$60,745
+HK$3,484/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,522/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,944
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,551
−HK$1,631/mo
Today · 4.125%
HK$63,182
baseline
▲ 0.50% · 4.625%
HK$66,513
+HK$3,331/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,364/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,291 · Scale 2, in force from 26 Feb 2026)