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$29,899
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,829
−HK$945/mo
Today · 4.125%
HK$31,774
baseline
▲ 0.50% · 4.625%
HK$33,708
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,548/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,263
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,155
−HK$905/mo
Today · 4.125%
HK$35,060
baseline
▲ 0.50% · 4.625%
HK$36,908
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,120/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,879
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,995
−HK$1,134/mo
Today · 4.125%
HK$38,129
baseline
▲ 0.50% · 4.625%
HK$40,449
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$76,258/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,915
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,986
−HK$1,086/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,289
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$84,144/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,859
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,161
−HK$1,323/mo
Today · 4.125%
HK$44,484
baseline
▲ 0.50% · 4.625%
HK$47,191
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,968/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,568
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,817
−HK$1,266/mo
Today · 4.125%
HK$49,083
baseline
▲ 0.50% · 4.625%
HK$51,671
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,166/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,819
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,493
−HK$1,700/mo
Today · 4.125%
HK$57,193
baseline
▲ 0.50% · 4.625%
HK$60,674
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,386/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,873
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,478
−HK$1,629/mo
Today · 4.125%
HK$63,107
baseline
▲ 0.50% · 4.625%
HK$66,434
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,214/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,708 · Scale 2, in force from 26 Feb 2026)