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$29,873
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,802
−HK$944/mo
Today · 4.125%
HK$31,746
baseline
▲ 0.50% · 4.625%
HK$33,678
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,492/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,233
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,125
−HK$904/mo
Today · 4.125%
HK$35,029
baseline
▲ 0.50% · 4.625%
HK$36,875
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,058/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,847
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,962
−HK$1,133/mo
Today · 4.125%
HK$38,095
baseline
▲ 0.50% · 4.625%
HK$40,413
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,190/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,880
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,949
−HK$1,085/mo
Today · 4.125%
HK$42,034
baseline
▲ 0.50% · 4.625%
HK$44,250
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,068/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,822
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,322/mo
Today · 4.125%
HK$44,445
baseline
▲ 0.50% · 4.625%
HK$47,149
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,890/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,527
−HK$2,513/mo
▼ 0.25% · 3.875%
HK$47,774
−HK$1,266/mo
Today · 4.125%
HK$49,040
baseline
▲ 0.50% · 4.625%
HK$51,625
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,080/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,771
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,444
−HK$1,699/mo
Today · 4.125%
HK$57,143
baseline
▲ 0.50% · 4.625%
HK$60,620
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,286/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,820
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,424
−HK$1,628/mo
Today · 4.125%
HK$63,052
baseline
▲ 0.50% · 4.625%
HK$66,375
+HK$3,323/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,104/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,275 · Scale 2, in force from 26 Feb 2026)