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$29,870
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,799
−HK$944/mo
Today · 4.125%
HK$31,743
baseline
▲ 0.50% · 4.625%
HK$33,674
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,486/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,230
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,121
−HK$904/mo
Today · 4.125%
HK$35,025
baseline
▲ 0.50% · 4.625%
HK$36,871
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,050/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,844
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,959
−HK$1,132/mo
Today · 4.125%
HK$38,091
baseline
▲ 0.50% · 4.625%
HK$40,409
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,182/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,876
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,945
−HK$1,085/mo
Today · 4.125%
HK$42,030
baseline
▲ 0.50% · 4.625%
HK$44,246
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,060/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,818
−HK$2,622/mo
▼ 0.25% · 3.875%
HK$43,118
−HK$1,322/mo
Today · 4.125%
HK$44,440
baseline
▲ 0.50% · 4.625%
HK$47,144
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,880/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,522
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,769
−HK$1,266/mo
Today · 4.125%
HK$49,035
baseline
▲ 0.50% · 4.625%
HK$51,620
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,070/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,766
−HK$3,371/mo
▼ 0.25% · 3.875%
HK$55,438
−HK$1,699/mo
Today · 4.125%
HK$57,137
baseline
▲ 0.50% · 4.625%
HK$60,614
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,274/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,814
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,418
−HK$1,627/mo
Today · 4.125%
HK$63,045
baseline
▲ 0.50% · 4.625%
HK$66,368
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,090/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,224 · Scale 2, in force from 26 Feb 2026)