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$29,856
−HK$1,872/mo
▼ 0.25% · 3.875%
HK$30,785
−HK$943/mo
Today · 4.125%
HK$31,728
baseline
▲ 0.50% · 4.625%
HK$33,659
+HK$1,931/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,456/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,215
−HK$1,794/mo
▼ 0.25% · 3.875%
HK$34,106
−HK$903/mo
Today · 4.125%
HK$35,009
baseline
▲ 0.50% · 4.625%
HK$36,855
+HK$1,846/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,018/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,827
−HK$2,247/mo
▼ 0.25% · 3.875%
HK$36,942
−HK$1,132/mo
Today · 4.125%
HK$38,074
baseline
▲ 0.50% · 4.625%
HK$40,391
+HK$2,317/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,148/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,858
−HK$2,153/mo
▼ 0.25% · 3.875%
HK$40,927
−HK$1,084/mo
Today · 4.125%
HK$42,011
baseline
▲ 0.50% · 4.625%
HK$44,225
+HK$2,214/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,022/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,799
−HK$2,621/mo
▼ 0.25% · 3.875%
HK$43,099
−HK$1,321/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$47,123
+HK$2,703/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,501
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,748
−HK$1,265/mo
Today · 4.125%
HK$49,013
baseline
▲ 0.50% · 4.625%
HK$51,596
+HK$2,583/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,026/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,741
−HK$3,370/mo
▼ 0.25% · 3.875%
HK$55,413
−HK$1,698/mo
Today · 4.125%
HK$57,111
baseline
▲ 0.50% · 4.625%
HK$60,586
+HK$3,475/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$114,222/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,786
−HK$3,231/mo
▼ 0.25% · 3.875%
HK$61,390
−HK$1,627/mo
Today · 4.125%
HK$63,017
baseline
▲ 0.50% · 4.625%
HK$66,338
+HK$3,321/mo
Deposit HK$1.31M · loan HK$11.78M · min. income ≈ HK$126,034/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,001 · Scale 2, in force from 26 Feb 2026)