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$29,866
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,795
−HK$943/mo
Today · 4.125%
HK$31,738
baseline
▲ 0.50% · 4.625%
HK$33,670
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,476/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,225
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,116
−HK$904/mo
Today · 4.125%
HK$35,020
baseline
▲ 0.50% · 4.625%
HK$36,866
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,040/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,839
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,954
−HK$1,132/mo
Today · 4.125%
HK$38,086
baseline
▲ 0.50% · 4.625%
HK$40,404
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,172/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,870
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,940
−HK$1,084/mo
Today · 4.125%
HK$42,024
baseline
▲ 0.50% · 4.625%
HK$44,239
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,048/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,812
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,112
−HK$1,322/mo
Today · 4.125%
HK$44,434
baseline
▲ 0.50% · 4.625%
HK$47,138
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,868/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,515
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,763
−HK$1,265/mo
Today · 4.125%
HK$49,028
baseline
▲ 0.50% · 4.625%
HK$51,613
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,056/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,758
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,430
−HK$1,699/mo
Today · 4.125%
HK$57,129
baseline
▲ 0.50% · 4.625%
HK$60,605
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,258/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,805
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,409
−HK$1,627/mo
Today · 4.125%
HK$63,036
baseline
▲ 0.50% · 4.625%
HK$66,359
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,072/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,156 · Scale 2, in force from 26 Feb 2026)