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$29,928
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,859
−HK$946/mo
Today · 4.125%
HK$31,805
baseline
▲ 0.50% · 4.625%
HK$33,740
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,610/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,295
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,188
−HK$905/mo
Today · 4.125%
HK$35,093
baseline
▲ 0.50% · 4.625%
HK$36,943
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,186/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,914
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,031
−HK$1,135/mo
Today · 4.125%
HK$38,166
baseline
▲ 0.50% · 4.625%
HK$40,488
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,332/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,953
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,025
−HK$1,087/mo
Today · 4.125%
HK$42,112
baseline
▲ 0.50% · 4.625%
HK$44,332
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,224/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,899
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,325/mo
Today · 4.125%
HK$44,527
baseline
▲ 0.50% · 4.625%
HK$47,236
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,054/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,612
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,863
−HK$1,268/mo
Today · 4.125%
HK$49,131
baseline
▲ 0.50% · 4.625%
HK$51,720
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,262/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,870
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,546
−HK$1,702/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,732
+HK$3,484/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,930
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,538
−HK$1,630/mo
Today · 4.125%
HK$63,168
baseline
▲ 0.50% · 4.625%
HK$66,498
+HK$3,330/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,336/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,181 · Scale 2, in force from 26 Feb 2026)