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$29,889
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,819
−HK$945/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,697
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,144
−HK$904/mo
Today · 4.125%
HK$35,048
baseline
▲ 0.50% · 4.625%
HK$36,896
+HK$1,848/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,096/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,983
−HK$1,134/mo
Today · 4.125%
HK$38,117
baseline
▲ 0.50% · 4.625%
HK$40,436
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,234/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,902
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,972
−HK$1,086/mo
Today · 4.125%
HK$42,058
baseline
▲ 0.50% · 4.625%
HK$44,275
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,116/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,322/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,552
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,801
−HK$1,267/mo
Today · 4.125%
HK$49,068
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,136/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,801
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,475
−HK$1,700/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,654
+HK$3,479/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,853
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,458
−HK$1,629/mo
Today · 4.125%
HK$63,087
baseline
▲ 0.50% · 4.625%
HK$66,412
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,174/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,549 · Scale 2, in force from 26 Feb 2026)