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$29,913
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,843
−HK$945/mo
Today · 4.125%
HK$31,788
baseline
▲ 0.50% · 4.625%
HK$33,723
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,576/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,278
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,170
−HK$905/mo
Today · 4.125%
HK$35,075
baseline
▲ 0.50% · 4.625%
HK$36,924
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,150/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,895
−HK$2,251/mo
▼ 0.25% · 3.875%
HK$37,012
−HK$1,134/mo
Today · 4.125%
HK$38,146
baseline
▲ 0.50% · 4.625%
HK$40,467
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,292/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,933
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,004
−HK$1,086/mo
Today · 4.125%
HK$42,090
baseline
▲ 0.50% · 4.625%
HK$44,309
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,180/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,878
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,180
−HK$1,324/mo
Today · 4.125%
HK$44,504
baseline
▲ 0.50% · 4.625%
HK$47,212
+HK$2,708/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,008/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,589
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,838
−HK$1,268/mo
Today · 4.125%
HK$49,106
baseline
▲ 0.50% · 4.625%
HK$51,694
+HK$2,588/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,212/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,843
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,518
−HK$1,701/mo
Today · 4.125%
HK$57,219
baseline
▲ 0.50% · 4.625%
HK$60,701
+HK$3,482/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,438/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,900
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,506
−HK$1,630/mo
Today · 4.125%
HK$63,136
baseline
▲ 0.50% · 4.625%
HK$66,464
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,272/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,929 · Scale 2, in force from 26 Feb 2026)