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$29,921
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,852
−HK$946/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$492,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,287
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,180
−HK$906/mo
Today · 4.125%
HK$35,086
baseline
▲ 0.50% · 4.625%
HK$36,935
+HK$1,849/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$492,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,906
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,023
−HK$1,134/mo
Today · 4.125%
HK$38,157
baseline
▲ 0.50% · 4.625%
HK$40,479
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,314/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,945
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,016
−HK$1,087/mo
Today · 4.125%
HK$42,103
baseline
▲ 0.50% · 4.625%
HK$44,322
+HK$2,219/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$492,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,890
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,193
−HK$1,324/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$492,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,602
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,852
−HK$1,268/mo
Today · 4.125%
HK$49,120
baseline
▲ 0.50% · 4.625%
HK$51,709
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,240/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,858
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,534
−HK$1,702/mo
Today · 4.125%
HK$57,236
baseline
▲ 0.50% · 4.625%
HK$60,719
+HK$3,483/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,472/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,917
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,524
−HK$1,630/mo
Today · 4.125%
HK$63,154
baseline
▲ 0.50% · 4.625%
HK$66,483
+HK$3,329/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,308/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,073 · Scale 2, in force from 26 Feb 2026)