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$29,900
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,830
−HK$945/mo
Today · 4.125%
HK$31,775
baseline
▲ 0.50% · 4.625%
HK$33,709
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,550/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,264
−HK$1,797/mo
▼ 0.25% · 3.875%
HK$34,156
−HK$905/mo
Today · 4.125%
HK$35,061
baseline
▲ 0.50% · 4.625%
HK$36,909
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,122/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,880
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$36,996
−HK$1,134/mo
Today · 4.125%
HK$38,130
baseline
▲ 0.50% · 4.625%
HK$40,450
+HK$2,320/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,260/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,916
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,987
−HK$1,086/mo
Today · 4.125%
HK$42,073
baseline
▲ 0.50% · 4.625%
HK$44,291
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,146/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,860
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,162
−HK$1,323/mo
Today · 4.125%
HK$44,485
baseline
▲ 0.50% · 4.625%
HK$47,192
+HK$2,707/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,970/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,569
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,818
−HK$1,267/mo
Today · 4.125%
HK$49,085
baseline
▲ 0.50% · 4.625%
HK$51,672
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,170/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,820
−HK$3,375/mo
▼ 0.25% · 3.875%
HK$55,494
−HK$1,701/mo
Today · 4.125%
HK$57,195
baseline
▲ 0.50% · 4.625%
HK$60,675
+HK$3,480/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,390/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,874
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,480
−HK$1,629/mo
Today · 4.125%
HK$63,109
baseline
▲ 0.50% · 4.625%
HK$66,436
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,218/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,723 · Scale 2, in force from 26 Feb 2026)