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$29,900
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,830
−HK$945/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,708
+HK$1,933/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,716 · 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$491,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,880
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,996
−HK$1,134/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,916
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,986
−HK$1,086/mo
Today · 4.125%
HK$42,072
baseline
▲ 0.50% · 4.625%
HK$44,290
+HK$2,218/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$491,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,860
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,162
−HK$1,322/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$491,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,568
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,817
−HK$1,267/mo
Today · 4.125%
HK$49,084
baseline
▲ 0.50% · 4.625%
HK$51,672
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,168/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,819
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,493
−HK$1,701/mo
Today · 4.125%
HK$57,194
baseline
▲ 0.50% · 4.625%
HK$60,674
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,388/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,874
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,479
−HK$1,629/mo
Today · 4.125%
HK$63,108
baseline
▲ 0.50% · 4.625%
HK$66,435
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,216/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,716 · Scale 2, in force from 26 Feb 2026)