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$29,853
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,782
−HK$943/mo
Today · 4.125%
HK$31,725
baseline
▲ 0.50% · 4.625%
HK$33,655
+HK$1,930/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,450/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,211
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,102
−HK$903/mo
Today · 4.125%
HK$35,005
baseline
▲ 0.50% · 4.625%
HK$36,851
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,010/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,824
−HK$2,246/mo
▼ 0.25% · 3.875%
HK$36,938
−HK$1,132/mo
Today · 4.125%
HK$38,070
baseline
▲ 0.50% · 4.625%
HK$40,387
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,140/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,853
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,922
−HK$1,085/mo
Today · 4.125%
HK$42,007
baseline
▲ 0.50% · 4.625%
HK$44,221
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,014/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,794
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,094
−HK$1,321/mo
Today · 4.125%
HK$44,415
baseline
▲ 0.50% · 4.625%
HK$47,118
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$88,830/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,496
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,743
−HK$1,265/mo
Today · 4.125%
HK$49,008
baseline
▲ 0.50% · 4.625%
HK$51,591
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.16M · min. income ≈ HK$98,016/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,735
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,407
−HK$1,698/mo
Today · 4.125%
HK$57,105
baseline
▲ 0.50% · 4.625%
HK$60,580
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,210/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,780
−HK$3,230/mo
▼ 0.25% · 3.875%
HK$61,383
−HK$1,627/mo
Today · 4.125%
HK$63,010
baseline
▲ 0.50% · 4.625%
HK$66,331
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,020/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$490,949 · Scale 2, in force from 26 Feb 2026)