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$29,868
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,797
−HK$944/mo
Today · 4.125%
HK$31,741
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,482/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,119
−HK$904/mo
Today · 4.125%
HK$35,023
baseline
▲ 0.50% · 4.625%
HK$36,869
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,046/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,842
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$1,132/mo
Today · 4.125%
HK$38,089
baseline
▲ 0.50% · 4.625%
HK$40,407
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,178/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,943
−HK$1,085/mo
Today · 4.125%
HK$42,028
baseline
▲ 0.50% · 4.625%
HK$44,243
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,056/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,815
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,116
−HK$1,322/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,519
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,767
−HK$1,266/mo
Today · 4.125%
HK$49,033
baseline
▲ 0.50% · 4.625%
HK$51,617
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,066/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,435
−HK$1,699/mo
Today · 4.125%
HK$57,134
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,268/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,810
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,627/mo
Today · 4.125%
HK$63,042
baseline
▲ 0.50% · 4.625%
HK$66,365
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,084/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,198 · Scale 2, in force from 26 Feb 2026)