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$29,855
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,784
−HK$944/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,658
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,214
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,105
−HK$903/mo
Today · 4.125%
HK$35,008
baseline
▲ 0.50% · 4.625%
HK$36,854
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,016/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,826
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,941
−HK$1,132/mo
Today · 4.125%
HK$38,073
baseline
▲ 0.50% · 4.625%
HK$40,390
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,146/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,857
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,926
−HK$1,084/mo
Today · 4.125%
HK$42,010
baseline
▲ 0.50% · 4.625%
HK$44,224
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,020/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,798
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,098
−HK$1,321/mo
Today · 4.125%
HK$44,419
baseline
▲ 0.50% · 4.625%
HK$47,121
+HK$2,702/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,838/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,499
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,746
−HK$1,266/mo
Today · 4.125%
HK$49,012
baseline
▲ 0.50% · 4.625%
HK$51,595
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,024/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,740
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,411
−HK$1,699/mo
Today · 4.125%
HK$57,110
baseline
▲ 0.50% · 4.625%
HK$60,585
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,220/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,785
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,388
−HK$1,627/mo
Today · 4.125%
HK$63,015
baseline
▲ 0.50% · 4.625%
HK$66,336
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,030/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,988 · Scale 2, in force from 26 Feb 2026)