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$29,860
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,789
−HK$943/mo
Today · 4.125%
HK$31,732
baseline
▲ 0.50% · 4.625%
HK$33,663
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,464/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,219
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,110
−HK$904/mo
Today · 4.125%
HK$35,014
baseline
▲ 0.50% · 4.625%
HK$36,859
+HK$1,845/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,028/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,832
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,947
−HK$1,132/mo
Today · 4.125%
HK$38,079
baseline
▲ 0.50% · 4.625%
HK$40,396
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,158/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,863
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,932
−HK$1,084/mo
Today · 4.125%
HK$42,016
baseline
▲ 0.50% · 4.625%
HK$44,231
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,032/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,804
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,321/mo
Today · 4.125%
HK$44,425
baseline
▲ 0.50% · 4.625%
HK$47,129
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,850/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,506
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,754
−HK$1,265/mo
Today · 4.125%
HK$49,019
baseline
▲ 0.50% · 4.625%
HK$51,603
+HK$2,584/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,038/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,748
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,420
−HK$1,698/mo
Today · 4.125%
HK$57,118
baseline
▲ 0.50% · 4.625%
HK$60,594
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,236/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,794
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,398
−HK$1,627/mo
Today · 4.125%
HK$63,025
baseline
▲ 0.50% · 4.625%
HK$66,347
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,050/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,063 · Scale 2, in force from 26 Feb 2026)