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$29,873
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$945/mo
Today · 4.125%
HK$31,747
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,494/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,234
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,125
−HK$904/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$36,876
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,848
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,963
−HK$1,133/mo
Today · 4.125%
HK$38,096
baseline
▲ 0.50% · 4.625%
HK$40,414
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,192/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,880
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,950
−HK$1,085/mo
Today · 4.125%
HK$42,035
baseline
▲ 0.50% · 4.625%
HK$44,251
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,070/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,823
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,322/mo
Today · 4.125%
HK$44,445
baseline
▲ 0.50% · 4.625%
HK$47,150
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,890/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,527
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,775
−HK$1,266/mo
Today · 4.125%
HK$49,041
baseline
▲ 0.50% · 4.625%
HK$51,626
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,082/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,772
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,444
−HK$1,700/mo
Today · 4.125%
HK$57,144
baseline
▲ 0.50% · 4.625%
HK$60,621
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,288/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,821
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,425
−HK$1,628/mo
Today · 4.125%
HK$63,053
baseline
▲ 0.50% · 4.625%
HK$66,376
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,106/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,282 · Scale 2, in force from 26 Feb 2026)