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$29,910
−HK$1,875/mo
▼ 0.25% · 3.875%
HK$30,840
−HK$945/mo
Today · 4.125%
HK$31,785
baseline
▲ 0.50% · 4.625%
HK$33,719
+HK$1,934/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,570/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,274
−HK$1,798/mo
▼ 0.25% · 3.875%
HK$34,167
−HK$905/mo
Today · 4.125%
HK$35,072
baseline
▲ 0.50% · 4.625%
HK$36,921
+HK$1,849/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,144/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,892
−HK$2,250/mo
▼ 0.25% · 3.875%
HK$37,008
−HK$1,134/mo
Today · 4.125%
HK$38,142
baseline
▲ 0.50% · 4.625%
HK$40,463
+HK$2,321/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,284/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,929
−HK$2,157/mo
▼ 0.25% · 3.875%
HK$41,000
−HK$1,086/mo
Today · 4.125%
HK$42,086
baseline
▲ 0.50% · 4.625%
HK$44,305
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,172/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,874
−HK$2,626/mo
▼ 0.25% · 3.875%
HK$43,176
−HK$1,324/mo
Today · 4.125%
HK$44,500
baseline
▲ 0.50% · 4.625%
HK$47,207
+HK$2,707/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$89,000/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,584
−HK$2,517/mo
▼ 0.25% · 3.875%
HK$47,833
−HK$1,268/mo
Today · 4.125%
HK$49,101
baseline
▲ 0.50% · 4.625%
HK$51,689
+HK$2,588/mo
Deposit HK$3.94M · loan HK$9.18M · min. income ≈ HK$98,202/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,838
−HK$3,376/mo
▼ 0.25% · 3.875%
HK$55,512
−HK$1,702/mo
Today · 4.125%
HK$57,214
baseline
▲ 0.50% · 4.625%
HK$60,695
+HK$3,481/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,428/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,894
−HK$3,236/mo
▼ 0.25% · 3.875%
HK$61,500
−HK$1,630/mo
Today · 4.125%
HK$63,130
baseline
▲ 0.50% · 4.625%
HK$66,457
+HK$3,327/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,260/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,883 · Scale 2, in force from 26 Feb 2026)