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$29,875
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,805
−HK$944/mo
Today · 4.125%
HK$31,749
baseline
▲ 0.50% · 4.625%
HK$33,681
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,498/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$905/mo
Today · 4.125%
HK$35,032
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,064/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,966
−HK$1,133/mo
Today · 4.125%
HK$38,099
baseline
▲ 0.50% · 4.625%
HK$40,417
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,198/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,883
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,953
−HK$1,085/mo
Today · 4.125%
HK$42,038
baseline
▲ 0.50% · 4.625%
HK$44,254
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,076/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,825
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,322/mo
Today · 4.125%
HK$44,448
baseline
▲ 0.50% · 4.625%
HK$47,153
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,896/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,530
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,778
−HK$1,266/mo
Today · 4.125%
HK$49,044
baseline
▲ 0.50% · 4.625%
HK$51,630
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,088/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,776
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,448
−HK$1,700/mo
Today · 4.125%
HK$57,148
baseline
▲ 0.50% · 4.625%
HK$60,625
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,296/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,825
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,429
−HK$1,628/mo
Today · 4.125%
HK$63,057
baseline
▲ 0.50% · 4.625%
HK$66,381
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,114/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,316 · Scale 2, in force from 26 Feb 2026)