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$29,922
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,853
−HK$945/mo
Today · 4.125%
HK$31,798
baseline
▲ 0.50% · 4.625%
HK$33,733
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,596/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,288
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,180
−HK$906/mo
Today · 4.125%
HK$35,086
baseline
▲ 0.50% · 4.625%
HK$36,936
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,172/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,906
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,023
−HK$1,135/mo
Today · 4.125%
HK$38,158
baseline
▲ 0.50% · 4.625%
HK$40,480
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,316/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,945
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,017
−HK$1,086/mo
Today · 4.125%
HK$42,103
baseline
▲ 0.50% · 4.625%
HK$44,323
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,206/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,890
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,194
−HK$1,323/mo
Today · 4.125%
HK$44,517
baseline
▲ 0.50% · 4.625%
HK$47,226
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,034/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,603
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,853
−HK$1,268/mo
Today · 4.125%
HK$49,121
baseline
▲ 0.50% · 4.625%
HK$51,710
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,242/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,859
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,535
−HK$1,702/mo
Today · 4.125%
HK$57,237
baseline
▲ 0.50% · 4.625%
HK$60,719
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,474/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,918
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,525
−HK$1,630/mo
Today · 4.125%
HK$63,155
baseline
▲ 0.50% · 4.625%
HK$66,484
+HK$3,329/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,310/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,080 · Scale 2, in force from 26 Feb 2026)