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$29,937
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,868
−HK$946/mo
Today · 4.125%
HK$31,814
baseline
▲ 0.50% · 4.625%
HK$33,750
+HK$1,936/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,628/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,304
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,198
−HK$906/mo
Today · 4.125%
HK$35,104
baseline
▲ 0.50% · 4.625%
HK$36,954
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,208/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,924
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,042
−HK$1,135/mo
Today · 4.125%
HK$38,177
baseline
▲ 0.50% · 4.625%
HK$40,500
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,354/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,965
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,037
−HK$1,088/mo
Today · 4.125%
HK$42,125
baseline
▲ 0.50% · 4.625%
HK$44,345
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,250/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,912
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,215
−HK$1,325/mo
Today · 4.125%
HK$44,540
baseline
▲ 0.50% · 4.625%
HK$47,250
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,080/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,626
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,877
−HK$1,268/mo
Today · 4.125%
HK$49,145
baseline
▲ 0.50% · 4.625%
HK$51,736
+HK$2,591/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,290/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,886
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,562
−HK$1,703/mo
Today · 4.125%
HK$57,265
baseline
▲ 0.50% · 4.625%
HK$60,750
+HK$3,485/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,530/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,948
−HK$3,239/mo
▼ 0.25% · 3.875%
HK$61,556
−HK$1,631/mo
Today · 4.125%
HK$63,187
baseline
▲ 0.50% · 4.625%
HK$66,517
+HK$3,330/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,374/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,327 · Scale 2, in force from 26 Feb 2026)