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$29,881
−HK$1,874/mo
▼ 0.25% · 3.875%
HK$30,810
−HK$945/mo
Today · 4.125%
HK$31,755
baseline
▲ 0.50% · 4.625%
HK$33,687
+HK$1,932/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$63,510/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,242
−HK$1,796/mo
▼ 0.25% · 3.875%
HK$34,134
−HK$904/mo
Today · 4.125%
HK$35,038
baseline
▲ 0.50% · 4.625%
HK$36,885
+HK$1,847/mo
Deposit HK$6.55M · loan HK$6.55M · min. income ≈ HK$70,076/mo (50% DSR)
Upfront cash ≈ HK$7.04M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,857
−HK$2,248/mo
▼ 0.25% · 3.875%
HK$36,972
−HK$1,133/mo
Today · 4.125%
HK$38,105
baseline
▲ 0.50% · 4.625%
HK$40,424
+HK$2,319/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$76,210/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,890
−HK$2,156/mo
▼ 0.25% · 3.875%
HK$40,960
−HK$1,086/mo
Today · 4.125%
HK$42,046
baseline
▲ 0.50% · 4.625%
HK$44,262
+HK$2,216/mo
Deposit HK$5.24M · loan HK$7.86M · min. income ≈ HK$84,092/mo (50% DSR)
Upfront cash ≈ HK$5.73M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,833
−HK$2,623/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,322/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$47,161
+HK$2,705/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,539
−HK$2,514/mo
▼ 0.25% · 3.875%
HK$47,787
−HK$1,266/mo
Today · 4.125%
HK$49,053
baseline
▲ 0.50% · 4.625%
HK$51,639
+HK$2,586/mo
Deposit HK$3.93M · loan HK$9.17M · min. income ≈ HK$98,106/mo (50% DSR)
Upfront cash ≈ HK$4.42M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,785
−HK$3,373/mo
▼ 0.25% · 3.875%
HK$55,458
−HK$1,700/mo
Today · 4.125%
HK$57,158
baseline
▲ 0.50% · 4.625%
HK$60,636
+HK$3,478/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$114,316/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,836
−HK$3,232/mo
▼ 0.25% · 3.875%
HK$61,441
−HK$1,627/mo
Today · 4.125%
HK$63,068
baseline
▲ 0.50% · 4.625%
HK$66,393
+HK$3,325/mo
Deposit HK$1.31M · loan HK$11.79M · min. income ≈ HK$126,136/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$491,406 · Scale 2, in force from 26 Feb 2026)