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$29,923
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,854
−HK$946/mo
Today · 4.125%
HK$31,800
baseline
▲ 0.50% · 4.625%
HK$33,735
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,600/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,289
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,182
−HK$906/mo
Today · 4.125%
HK$35,088
baseline
▲ 0.50% · 4.625%
HK$36,937
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,176/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,908
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,025
−HK$1,135/mo
Today · 4.125%
HK$38,160
baseline
▲ 0.50% · 4.625%
HK$40,482
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,320/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,947
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,019
−HK$1,086/mo
Today · 4.125%
HK$42,105
baseline
▲ 0.50% · 4.625%
HK$44,325
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,210/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,893
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,196
−HK$1,324/mo
Today · 4.125%
HK$44,520
baseline
▲ 0.50% · 4.625%
HK$47,229
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,040/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,605
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,855
−HK$1,268/mo
Today · 4.125%
HK$49,123
baseline
▲ 0.50% · 4.625%
HK$51,712
+HK$2,589/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,246/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,862
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,537
−HK$1,702/mo
Today · 4.125%
HK$57,239
baseline
▲ 0.50% · 4.625%
HK$60,722
+HK$3,483/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,478/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,921
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,528
−HK$1,630/mo
Today · 4.125%
HK$63,158
baseline
▲ 0.50% · 4.625%
HK$66,487
+HK$3,329/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,316/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,104 · Scale 2, in force from 26 Feb 2026)