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$29,875
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$30,804
−HK$944/mo
Today · 4.125%
HK$31,748
baseline
▲ 0.50% · 4.625%
HK$33,680
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,496/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,236
−HK$1,795/mo
▼ 0.25% · 3.875%
HK$34,127
−HK$904/mo
Today · 4.125%
HK$35,031
baseline
▲ 0.50% · 4.625%
HK$36,878
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,062/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,850
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,965
−HK$1,133/mo
Today · 4.125%
HK$38,098
baseline
▲ 0.50% · 4.625%
HK$40,416
+HK$2,318/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,196/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,883
−HK$2,154/mo
▼ 0.25% · 3.875%
HK$40,952
−HK$1,085/mo
Today · 4.125%
HK$42,037
baseline
▲ 0.50% · 4.625%
HK$44,253
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,074/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,825
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,322/mo
Today · 4.125%
HK$44,448
baseline
▲ 0.50% · 4.625%
HK$47,152
+HK$2,704/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,896/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,530
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,778
−HK$1,266/mo
Today · 4.125%
HK$49,044
baseline
▲ 0.50% · 4.625%
HK$51,629
+HK$2,585/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,088/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,775
−HK$3,372/mo
▼ 0.25% · 3.875%
HK$55,448
−HK$1,699/mo
Today · 4.125%
HK$57,147
baseline
▲ 0.50% · 4.625%
HK$60,624
+HK$3,477/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,294/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,824
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,429
−HK$1,627/mo
Today · 4.125%
HK$63,056
baseline
▲ 0.50% · 4.625%
HK$66,380
+HK$3,324/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,112/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,310 · Scale 2, in force from 26 Feb 2026)