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$30,813
−HK$945/mo
Today · 4.125%
HK$31,758
baseline
▲ 0.50% · 4.625%
HK$33,690
+HK$1,932/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$491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$905/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$491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,861
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$1,133/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,894
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,086/mo
Today · 4.125%
HK$42,050
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,100/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,139
−HK$1,322/mo
Today · 4.125%
HK$44,461
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,922/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,544
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,792
−HK$1,266/mo
Today · 4.125%
HK$49,058
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,116/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,791
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,464
−HK$1,700/mo
Today · 4.125%
HK$57,164
baseline
▲ 0.50% · 4.625%
HK$60,642
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,328/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,842
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,447
−HK$1,628/mo
Today · 4.125%
HK$63,075
baseline
▲ 0.50% · 4.625%
HK$66,399
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,150/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,454 · Scale 2, in force from 26 Feb 2026)