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$29,871
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,800
−HK$944/mo
Today · 4.125%
HK$31,744
baseline
▲ 0.50% · 4.625%
HK$33,676
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,488/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,231
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,123
−HK$904/mo
Today · 4.125%
HK$35,027
baseline
▲ 0.50% · 4.625%
HK$36,873
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,054/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,845
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,960
−HK$1,133/mo
Today · 4.125%
HK$38,093
baseline
▲ 0.50% · 4.625%
HK$40,411
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,186/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,878
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,947
−HK$1,085/mo
Today · 4.125%
HK$42,032
baseline
▲ 0.50% · 4.625%
HK$44,248
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,064/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,820
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,120
−HK$1,322/mo
Today · 4.125%
HK$44,442
baseline
▲ 0.50% · 4.625%
HK$47,146
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,884/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,524
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,772
−HK$1,265/mo
Today · 4.125%
HK$49,037
baseline
▲ 0.50% · 4.625%
HK$51,622
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,074/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,768
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,441
−HK$1,699/mo
Today · 4.125%
HK$57,140
baseline
▲ 0.50% · 4.625%
HK$60,617
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,280/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,816
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,421
−HK$1,627/mo
Today · 4.125%
HK$63,048
baseline
▲ 0.50% · 4.625%
HK$66,371
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,096/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,247 · Scale 2, in force from 26 Feb 2026)