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$29,864
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,793
−HK$944/mo
Today · 4.125%
HK$31,737
baseline
▲ 0.50% · 4.625%
HK$33,668
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,474/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,223
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,114
−HK$904/mo
Today · 4.125%
HK$35,018
baseline
▲ 0.50% · 4.625%
HK$36,864
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,036/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,837
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,951
−HK$1,133/mo
Today · 4.125%
HK$38,084
baseline
▲ 0.50% · 4.625%
HK$40,401
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,168/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,868
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,937
−HK$1,085/mo
Today · 4.125%
HK$42,022
baseline
▲ 0.50% · 4.625%
HK$44,237
+HK$2,215/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,044/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,809
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,110
−HK$1,321/mo
Today · 4.125%
HK$44,431
baseline
▲ 0.50% · 4.625%
HK$47,135
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,862/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,513
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,760
−HK$1,265/mo
Today · 4.125%
HK$49,025
baseline
▲ 0.50% · 4.625%
HK$51,610
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,050/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,755
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,427
−HK$1,699/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,602
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,802
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,406
−HK$1,627/mo
Today · 4.125%
HK$63,033
baseline
▲ 0.50% · 4.625%
HK$66,355
+HK$3,322/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,066/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,127 · Scale 2, in force from 26 Feb 2026)