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$29,854
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,783
−HK$943/mo
Today · 4.125%
HK$31,726
baseline
▲ 0.50% · 4.625%
HK$33,657
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,452/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,212
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,103
−HK$904/mo
Today · 4.125%
HK$35,007
baseline
▲ 0.50% · 4.625%
HK$36,852
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,014/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,825
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,939
−HK$1,132/mo
Today · 4.125%
HK$38,071
baseline
▲ 0.50% · 4.625%
HK$40,388
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,142/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,855
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,924
−HK$1,084/mo
Today · 4.125%
HK$42,008
baseline
▲ 0.50% · 4.625%
HK$44,222
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,016/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,796
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,096
−HK$1,320/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$47,119
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,497
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,744
−HK$1,265/mo
Today · 4.125%
HK$49,009
baseline
▲ 0.50% · 4.625%
HK$51,593
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,018/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,737
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,409
−HK$1,698/mo
Today · 4.125%
HK$57,107
baseline
▲ 0.50% · 4.625%
HK$60,582
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,214/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,782
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,385
−HK$1,627/mo
Today · 4.125%
HK$63,012
baseline
▲ 0.50% · 4.625%
HK$66,333
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,024/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,964 · Scale 2, in force from 26 Feb 2026)