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$29,924
−HK$1,877/mo
▼ 0.25% · 3.875%
HK$30,855
−HK$946/mo
Today · 4.125%
HK$31,801
baseline
▲ 0.50% · 4.625%
HK$33,736
+HK$1,935/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$63,602/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,290
−HK$1,799/mo
▼ 0.25% · 3.875%
HK$34,183
−HK$906/mo
Today · 4.125%
HK$35,089
baseline
▲ 0.50% · 4.625%
HK$36,939
+HK$1,850/mo
Deposit HK$6.56M · loan HK$6.56M · min. income ≈ HK$70,178/mo (50% DSR)
Upfront cash ≈ HK$7.05M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,909
−HK$2,252/mo
▼ 0.25% · 3.875%
HK$37,026
−HK$1,135/mo
Today · 4.125%
HK$38,161
baseline
▲ 0.50% · 4.625%
HK$40,483
+HK$2,322/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$76,322/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,948
−HK$2,159/mo
▼ 0.25% · 3.875%
HK$41,020
−HK$1,087/mo
Today · 4.125%
HK$42,107
baseline
▲ 0.50% · 4.625%
HK$44,326
+HK$2,219/mo
Deposit HK$5.25M · loan HK$7.87M · min. income ≈ HK$84,214/mo (50% DSR)
Upfront cash ≈ HK$5.74M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,894
−HK$2,627/mo
▼ 0.25% · 3.875%
HK$43,197
−HK$1,324/mo
Today · 4.125%
HK$44,521
baseline
▲ 0.50% · 4.625%
HK$47,230
+HK$2,709/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$89,042/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,606
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$47,856
−HK$1,268/mo
Today · 4.125%
HK$49,124
baseline
▲ 0.50% · 4.625%
HK$51,714
+HK$2,590/mo
Deposit HK$3.94M · loan HK$9.19M · min. income ≈ HK$98,248/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,864
−HK$3,377/mo
▼ 0.25% · 3.875%
HK$55,539
−HK$1,702/mo
Today · 4.125%
HK$57,241
baseline
▲ 0.50% · 4.625%
HK$60,724
+HK$3,483/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$114,482/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,923
−HK$3,237/mo
▼ 0.25% · 3.875%
HK$61,530
−HK$1,630/mo
Today · 4.125%
HK$63,160
baseline
▲ 0.50% · 4.625%
HK$66,489
+HK$3,329/mo
Deposit HK$1.31M · loan HK$11.81M · min. income ≈ HK$126,320/mo (50% DSR)
Upfront cash ≈ HK$1.80M (deposit + AVD stamp duty HK$492,119 · Scale 2, in force from 26 Feb 2026)