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$29,893
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,823
−HK$945/mo
Today · 4.125%
HK$31,768
baseline
▲ 0.50% · 4.625%
HK$33,701
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,536/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,256
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,148
−HK$905/mo
Today · 4.125%
HK$35,053
baseline
▲ 0.50% · 4.625%
HK$36,900
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,106/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,872
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,988
−HK$1,133/mo
Today · 4.125%
HK$38,121
baseline
▲ 0.50% · 4.625%
HK$40,441
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$76,242/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,907
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,977
−HK$1,086/mo
Today · 4.125%
HK$42,063
baseline
▲ 0.50% · 4.625%
HK$44,280
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.87M · min. income ≈ HK$84,126/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,850
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,152
−HK$1,323/mo
Today · 4.125%
HK$44,475
baseline
▲ 0.50% · 4.625%
HK$47,181
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,950/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,558
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,807
−HK$1,267/mo
Today · 4.125%
HK$49,074
baseline
▲ 0.50% · 4.625%
HK$51,660
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,148/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,808
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,481
−HK$1,701/mo
Today · 4.125%
HK$57,182
baseline
▲ 0.50% · 4.625%
HK$60,661
+HK$3,479/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,364/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,861
−HK$3,234/mo
▼ 0.25% · 3.875%
HK$61,466
−HK$1,629/mo
Today · 4.125%
HK$63,095
baseline
▲ 0.50% · 4.625%
HK$66,420
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,190/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,609 · Scale 2, in force from 26 Feb 2026)