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$29,877
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,806
−HK$944/mo
Today · 4.125%
HK$31,750
baseline
▲ 0.50% · 4.625%
HK$33,682
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,500/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,237
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,129
−HK$904/mo
Today · 4.125%
HK$35,033
baseline
▲ 0.50% · 4.625%
HK$36,880
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,066/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,852
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,967
−HK$1,133/mo
Today · 4.125%
HK$38,100
baseline
▲ 0.50% · 4.625%
HK$40,419
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,200/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,885
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,955
−HK$1,085/mo
Today · 4.125%
HK$42,040
baseline
▲ 0.50% · 4.625%
HK$44,256
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,080/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,827
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,128
−HK$1,322/mo
Today · 4.125%
HK$44,450
baseline
▲ 0.50% · 4.625%
HK$47,155
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,900/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,532
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,780
−HK$1,266/mo
Today · 4.125%
HK$49,046
baseline
▲ 0.50% · 4.625%
HK$51,632
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,092/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,778
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,451
−HK$1,699/mo
Today · 4.125%
HK$57,150
baseline
▲ 0.50% · 4.625%
HK$60,628
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,300/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,827
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,432
−HK$1,628/mo
Today · 4.125%
HK$63,060
baseline
▲ 0.50% · 4.625%
HK$66,384
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,120/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,338 · Scale 2, in force from 26 Feb 2026)