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$29,925
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,856
−HK$946/mo
Today · 4.125%
HK$31,802
baseline
▲ 0.50% · 4.625%
HK$33,737
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,604/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,292
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,184
−HK$906/mo
Today · 4.125%
HK$35,090
baseline
▲ 0.50% · 4.625%
HK$36,940
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,180/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,910
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,027
−HK$1,135/mo
Today · 4.125%
HK$38,162
baseline
▲ 0.50% · 4.625%
HK$40,484
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,324/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,950
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,021
−HK$1,087/mo
Today · 4.125%
HK$42,108
baseline
▲ 0.50% · 4.625%
HK$44,328
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,216/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,895
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,199
−HK$1,324/mo
Today · 4.125%
HK$44,523
baseline
▲ 0.50% · 4.625%
HK$47,232
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,046/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,608
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,858
−HK$1,268/mo
Today · 4.125%
HK$49,126
baseline
▲ 0.50% · 4.625%
HK$51,716
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,252/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,865
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,541
−HK$1,702/mo
Today · 4.125%
HK$57,243
baseline
▲ 0.50% · 4.625%
HK$60,726
+HK$3,483/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,486/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,925
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,532
−HK$1,630/mo
Today · 4.125%
HK$63,162
baseline
▲ 0.50% · 4.625%
HK$66,492
+HK$3,330/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,324/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,137 · Scale 2, in force from 26 Feb 2026)