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$29,869
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,798
−HK$944/mo
Today · 4.125%
HK$31,742
baseline
▲ 0.50% · 4.625%
HK$33,673
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,484/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,228
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,120
−HK$904/mo
Today · 4.125%
HK$35,024
baseline
▲ 0.50% · 4.625%
HK$36,870
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,048/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,842
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,957
−HK$1,133/mo
Today · 4.125%
HK$38,090
baseline
▲ 0.50% · 4.625%
HK$40,408
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,180/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,874
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,944
−HK$1,084/mo
Today · 4.125%
HK$42,028
baseline
▲ 0.50% · 4.625%
HK$44,244
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,056/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,816
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,117
−HK$1,321/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$47,142
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,520
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,767
−HK$1,266/mo
Today · 4.125%
HK$49,033
baseline
▲ 0.50% · 4.625%
HK$51,618
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,066/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,763
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,436
−HK$1,699/mo
Today · 4.125%
HK$57,135
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,476/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,270/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,811
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,415
−HK$1,628/mo
Today · 4.125%
HK$63,043
baseline
▲ 0.50% · 4.625%
HK$66,366
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,086/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,204 · Scale 2, in force from 26 Feb 2026)