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$29,889
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,819
−HK$945/mo
Today · 4.125%
HK$31,764
baseline
▲ 0.50% · 4.625%
HK$33,696
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,528/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,252
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,143
−HK$905/mo
Today · 4.125%
HK$35,048
baseline
▲ 0.50% · 4.625%
HK$36,895
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,096/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,867
−HK$2,249/mo
▼ 0.25% · 3.875%
HK$36,983
−HK$1,133/mo
Today · 4.125%
HK$38,116
baseline
▲ 0.50% · 4.625%
HK$40,436
+HK$2,320/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,232/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,902
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,972
−HK$1,086/mo
Today · 4.125%
HK$42,058
baseline
▲ 0.50% · 4.625%
HK$44,275
+HK$2,217/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,116/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,845
−HK$2,624/mo
▼ 0.25% · 3.875%
HK$43,147
−HK$1,322/mo
Today · 4.125%
HK$44,469
baseline
▲ 0.50% · 4.625%
HK$47,175
+HK$2,706/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$88,938/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,552
−HK$2,515/mo
▼ 0.25% · 3.875%
HK$47,801
−HK$1,266/mo
Today · 4.125%
HK$49,067
baseline
▲ 0.50% · 4.625%
HK$51,654
+HK$2,587/mo
Deposit HK$3.93M · loan HK$9.18M · min. income ≈ HK$98,134/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,801
−HK$3,374/mo
▼ 0.25% · 3.875%
HK$55,474
−HK$1,701/mo
Today · 4.125%
HK$57,175
baseline
▲ 0.50% · 4.625%
HK$60,653
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$114,350/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,853
−HK$3,233/mo
▼ 0.25% · 3.875%
HK$61,458
−HK$1,628/mo
Today · 4.125%
HK$63,086
baseline
▲ 0.50% · 4.625%
HK$66,412
+HK$3,326/mo
Deposit HK$1.31M · loan HK$11.80M · min. income ≈ HK$126,172/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,546 · Scale 2, in force from 26 Feb 2026)