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$29,908
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,838
−HK$945/mo
Today · 4.125%
HK$31,783
baseline
▲ 0.50% · 4.625%
HK$33,717
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,566/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,272
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$906/mo
Today · 4.125%
HK$35,070
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,140/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,006
−HK$1,134/mo
Today · 4.125%
HK$38,140
baseline
▲ 0.50% · 4.625%
HK$40,461
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,280/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,927
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,997
−HK$1,087/mo
Today · 4.125%
HK$42,084
baseline
▲ 0.50% · 4.625%
HK$44,302
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,168/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,871
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,173
−HK$1,324/mo
Today · 4.125%
HK$44,497
baseline
▲ 0.50% · 4.625%
HK$47,204
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,994/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,581
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,830
−HK$1,268/mo
Today · 4.125%
HK$49,098
baseline
▲ 0.50% · 4.625%
HK$51,686
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,196/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,834
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,509
−HK$1,701/mo
Today · 4.125%
HK$57,210
baseline
▲ 0.50% · 4.625%
HK$60,691
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,420/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,890
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,496
−HK$1,629/mo
Today · 4.125%
HK$63,125
baseline
▲ 0.50% · 4.625%
HK$66,453
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,250/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,850 · Scale 2, in force from 26 Feb 2026)