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$29,861
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,789
−HK$944/mo
Today · 4.125%
HK$31,733
baseline
▲ 0.50% · 4.625%
HK$33,664
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,466/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,220
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$904/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$36,860
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,833
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,947
−HK$1,133/mo
Today · 4.125%
HK$38,080
baseline
▲ 0.50% · 4.625%
HK$40,397
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,160/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,863
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,933
−HK$1,084/mo
Today · 4.125%
HK$42,017
baseline
▲ 0.50% · 4.625%
HK$44,232
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,034/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,805
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,105
−HK$1,321/mo
Today · 4.125%
HK$44,426
baseline
▲ 0.50% · 4.625%
HK$47,129
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,852/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,507
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,755
−HK$1,265/mo
Today · 4.125%
HK$49,020
baseline
▲ 0.50% · 4.625%
HK$51,604
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,040/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,749
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,421
−HK$1,698/mo
Today · 4.125%
HK$57,119
baseline
▲ 0.50% · 4.625%
HK$60,595
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,238/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,795
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,399
−HK$1,627/mo
Today · 4.125%
HK$63,026
baseline
▲ 0.50% · 4.625%
HK$66,348
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,052/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,072 · Scale 2, in force from 26 Feb 2026)