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$29,884
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,814
−HK$944/mo
Today · 4.125%
HK$31,758
baseline
▲ 0.50% · 4.625%
HK$33,691
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,516/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,246
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,138
−HK$904/mo
Today · 4.125%
HK$35,042
baseline
▲ 0.50% · 4.625%
HK$36,889
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,084/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,977
−HK$1,133/mo
Today · 4.125%
HK$38,110
baseline
▲ 0.50% · 4.625%
HK$40,429
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,220/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,895
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,965
−HK$1,086/mo
Today · 4.125%
HK$42,051
baseline
▲ 0.50% · 4.625%
HK$44,267
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,102/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,838
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,139
−HK$1,323/mo
Today · 4.125%
HK$44,462
baseline
▲ 0.50% · 4.625%
HK$47,167
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,924/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,544
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,793
−HK$1,266/mo
Today · 4.125%
HK$49,059
baseline
▲ 0.50% · 4.625%
HK$51,645
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,118/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,792
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,465
−HK$1,700/mo
Today · 4.125%
HK$57,165
baseline
▲ 0.50% · 4.625%
HK$60,643
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,330/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,843
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,448
−HK$1,628/mo
Today · 4.125%
HK$63,076
baseline
▲ 0.50% · 4.625%
HK$66,401
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,152/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,464 · Scale 2, in force from 26 Feb 2026)