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$29,929
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,860
−HK$946/mo
Today · 4.125%
HK$31,806
baseline
▲ 0.50% · 4.625%
HK$33,741
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,612/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,296
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,189
−HK$906/mo
Today · 4.125%
HK$35,095
baseline
▲ 0.50% · 4.625%
HK$36,945
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,190/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,915
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,032
−HK$1,135/mo
Today · 4.125%
HK$38,167
baseline
▲ 0.50% · 4.625%
HK$40,490
+HK$2,323/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,334/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,955
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,027
−HK$1,087/mo
Today · 4.125%
HK$42,114
baseline
▲ 0.50% · 4.625%
HK$44,334
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,228/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,901
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,204
−HK$1,324/mo
Today · 4.125%
HK$44,528
baseline
▲ 0.50% · 4.625%
HK$47,238
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,056/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,614
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$47,864
−HK$1,269/mo
Today · 4.125%
HK$49,133
baseline
▲ 0.50% · 4.625%
HK$51,723
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,266/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,873
−HK$3,378/mo
▼ 0.25% · 3.875%
HK$55,548
−HK$1,703/mo
Today · 4.125%
HK$57,251
baseline
▲ 0.50% · 4.625%
HK$60,734
+HK$3,483/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,502/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,933
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,540
−HK$1,631/mo
Today · 4.125%
HK$63,171
baseline
▲ 0.50% · 4.625%
HK$66,500
+HK$3,329/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,342/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,202 · Scale 2, in force from 26 Feb 2026)