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$29,930
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,861
−HK$946/mo
Today · 4.125%
HK$31,807
baseline
▲ 0.50% · 4.625%
HK$33,743
+HK$1,936/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,614/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,297
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,190
−HK$906/mo
Today · 4.125%
HK$35,096
baseline
▲ 0.50% · 4.625%
HK$36,946
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,192/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,916
−HK$2,253/mo
▼ 0.25% · 3.875%
HK$37,033
−HK$1,136/mo
Today · 4.125%
HK$38,169
baseline
▲ 0.50% · 4.625%
HK$40,491
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,338/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,957
−HK$2,158/mo
▼ 0.25% · 3.875%
HK$41,028
−HK$1,087/mo
Today · 4.125%
HK$42,115
baseline
▲ 0.50% · 4.625%
HK$44,335
+HK$2,220/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,230/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,902
−HK$2,628/mo
▼ 0.25% · 3.875%
HK$43,206
−HK$1,324/mo
Today · 4.125%
HK$44,530
baseline
▲ 0.50% · 4.625%
HK$47,240
+HK$2,710/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,060/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,616
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,866
−HK$1,268/mo
Today · 4.125%
HK$49,134
baseline
▲ 0.50% · 4.625%
HK$51,724
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,268/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,874
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$55,550
−HK$1,703/mo
Today · 4.125%
HK$57,253
baseline
▲ 0.50% · 4.625%
HK$60,737
+HK$3,484/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,506/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,935
−HK$3,238/mo
▼ 0.25% · 3.875%
HK$61,542
−HK$1,631/mo
Today · 4.125%
HK$63,173
baseline
▲ 0.50% · 4.625%
HK$66,503
+HK$3,330/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,346/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,219 · Scale 2, in force from 26 Feb 2026)