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$29,883
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,813
−HK$944/mo
Today · 4.125%
HK$31,757
baseline
▲ 0.50% · 4.625%
HK$33,690
+HK$1,933/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,514/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,245
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,137
−HK$904/mo
Today · 4.125%
HK$35,041
baseline
▲ 0.50% · 4.625%
HK$36,888
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,082/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,860
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,976
−HK$1,133/mo
Today · 4.125%
HK$38,109
baseline
▲ 0.50% · 4.625%
HK$40,428
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,218/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,894
−HK$2,155/mo
▼ 0.25% · 3.875%
HK$40,964
−HK$1,085/mo
Today · 4.125%
HK$42,049
baseline
▲ 0.50% · 4.625%
HK$44,266
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,098/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,837
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,138
−HK$1,322/mo
Today · 4.125%
HK$44,460
baseline
▲ 0.50% · 4.625%
HK$47,166
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,920/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,543
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,791
−HK$1,267/mo
Today · 4.125%
HK$49,058
baseline
▲ 0.50% · 4.625%
HK$51,644
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,116/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,790
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,463
−HK$1,700/mo
Today · 4.125%
HK$57,163
baseline
▲ 0.50% · 4.625%
HK$60,642
+HK$3,479/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,326/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,841
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,446
−HK$1,628/mo
Today · 4.125%
HK$63,074
baseline
▲ 0.50% · 4.625%
HK$66,399
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,148/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,449 · Scale 2, in force from 26 Feb 2026)