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$29,907
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,838
−HK$945/mo
Today · 4.125%
HK$31,783
baseline
▲ 0.50% · 4.625%
HK$33,717
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,566/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,272
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,164
−HK$905/mo
Today · 4.125%
HK$35,069
baseline
▲ 0.50% · 4.625%
HK$36,918
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,138/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,889
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,005
−HK$1,134/mo
Today · 4.125%
HK$38,139
baseline
▲ 0.50% · 4.625%
HK$40,460
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,278/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,926
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,997
−HK$1,086/mo
Today · 4.125%
HK$42,083
baseline
▲ 0.50% · 4.625%
HK$44,301
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,166/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,870
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,173
−HK$1,323/mo
Today · 4.125%
HK$44,496
baseline
▲ 0.50% · 4.625%
HK$47,203
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,992/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,580
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,830
−HK$1,267/mo
Today · 4.125%
HK$49,097
baseline
▲ 0.50% · 4.625%
HK$51,685
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,194/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,833
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,508
−HK$1,701/mo
Today · 4.125%
HK$57,209
baseline
▲ 0.50% · 4.625%
HK$60,690
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,418/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,889
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,495
−HK$1,630/mo
Today · 4.125%
HK$63,125
baseline
▲ 0.50% · 4.625%
HK$66,452
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,250/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,843 · Scale 2, in force from 26 Feb 2026)