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$29,886
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,816
−HK$944/mo
Today · 4.125%
HK$31,760
baseline
▲ 0.50% · 4.625%
HK$33,693
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,520/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,248
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,140
−HK$904/mo
Today · 4.125%
HK$35,044
baseline
▲ 0.50% · 4.625%
HK$36,892
+HK$1,848/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,088/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,864
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,979
−HK$1,133/mo
Today · 4.125%
HK$38,112
baseline
▲ 0.50% · 4.625%
HK$40,432
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,224/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,898
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,968
−HK$1,085/mo
Today · 4.125%
HK$42,053
baseline
▲ 0.50% · 4.625%
HK$44,270
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,106/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,841
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,142
−HK$1,323/mo
Today · 4.125%
HK$44,465
baseline
▲ 0.50% · 4.625%
HK$47,170
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,930/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,547
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,796
−HK$1,266/mo
Today · 4.125%
HK$49,062
baseline
▲ 0.50% · 4.625%
HK$51,648
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,124/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,795
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,469
−HK$1,700/mo
Today · 4.125%
HK$57,169
baseline
▲ 0.50% · 4.625%
HK$60,647
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,338/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,847
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,452
−HK$1,628/mo
Today · 4.125%
HK$63,080
baseline
▲ 0.50% · 4.625%
HK$66,405
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,160/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,495 · Scale 2, in force from 26 Feb 2026)