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$29,906
−HK$1,876/mo
▼ 0.25% · 3.875%
HK$30,837
−HK$945/mo
Today · 4.125%
HK$31,782
baseline
▲ 0.50% · 4.625%
HK$33,716
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,564/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,270
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,163
−HK$905/mo
Today · 4.125%
HK$35,068
baseline
▲ 0.50% · 4.625%
HK$36,916
+HK$1,848/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,136/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,888
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,004
−HK$1,134/mo
Today · 4.125%
HK$38,138
baseline
▲ 0.50% · 4.625%
HK$40,459
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,276/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,925
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$40,995
−HK$1,087/mo
Today · 4.125%
HK$42,082
baseline
▲ 0.50% · 4.625%
HK$44,300
+HK$2,218/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,164/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,869
−HK$2,625/mo
▼ 0.25% · 3.875%
HK$43,171
−HK$1,323/mo
Today · 4.125%
HK$44,494
baseline
▲ 0.50% · 4.625%
HK$47,202
+HK$2,708/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,988/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,579
−HK$2,516/mo
▼ 0.25% · 3.875%
HK$47,828
−HK$1,267/mo
Today · 4.125%
HK$49,095
baseline
▲ 0.50% · 4.625%
HK$51,683
+HK$2,588/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,190/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,831
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,506
−HK$1,701/mo
Today · 4.125%
HK$57,207
baseline
▲ 0.50% · 4.625%
HK$60,688
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,414/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,887
−HK$3,235/mo
▼ 0.25% · 3.875%
HK$61,493
−HK$1,629/mo
Today · 4.125%
HK$63,122
baseline
▲ 0.50% · 4.625%
HK$66,450
+HK$3,328/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,244/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,825 · Scale 2, in force from 26 Feb 2026)