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$29,906
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,836
−HK$945/mo
Today · 4.125%
HK$31,781
baseline
▲ 0.50% · 4.625%
HK$33,715
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,562/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,270
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,162
−HK$905/mo
Today · 4.125%
HK$35,067
baseline
▲ 0.50% · 4.625%
HK$36,916
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,134/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,887
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,003
−HK$1,134/mo
Today · 4.125%
HK$38,137
baseline
▲ 0.50% · 4.625%
HK$40,458
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,274/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,924
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,995
−HK$1,086/mo
Today · 4.125%
HK$42,081
baseline
▲ 0.50% · 4.625%
HK$44,299
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,162/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,868
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,171
−HK$1,323/mo
Today · 4.125%
HK$44,494
baseline
▲ 0.50% · 4.625%
HK$47,201
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,988/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,578
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,827
−HK$1,267/mo
Today · 4.125%
HK$49,094
baseline
▲ 0.50% · 4.625%
HK$51,682
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,188/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,831
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,505
−HK$1,701/mo
Today · 4.125%
HK$57,206
baseline
▲ 0.50% · 4.625%
HK$60,687
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,412/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,886
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,492
−HK$1,629/mo
Today · 4.125%
HK$63,121
baseline
▲ 0.50% · 4.625%
HK$66,449
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,242/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,818 · Scale 2, in force from 26 Feb 2026)