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$29,955
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,886
−HK$947/mo
Today · 4.125%
HK$31,833
baseline
▲ 0.50% · 4.625%
HK$33,770
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,666/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,324
−HK$1,801/mo
▼ 0.25% · 3.875%
HK$34,218
−HK$907/mo
Today · 4.125%
HK$35,125
baseline
▲ 0.50% · 4.625%
HK$36,976
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,250/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,946
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,064
−HK$1,136/mo
Today · 4.125%
HK$38,200
baseline
▲ 0.50% · 4.625%
HK$40,524
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,400/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,989
−HK$2,161/mo
▼ 0.25% · 3.875%
HK$41,062
−HK$1,088/mo
Today · 4.125%
HK$42,150
baseline
▲ 0.50% · 4.625%
HK$44,371
+HK$2,221/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,300/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,937
−HK$2,629/mo
▼ 0.25% · 3.875%
HK$43,241
−HK$1,325/mo
Today · 4.125%
HK$44,566
baseline
▲ 0.50% · 4.625%
HK$47,278
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,132/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,654
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$47,905
−HK$1,270/mo
Today · 4.125%
HK$49,175
baseline
▲ 0.50% · 4.625%
HK$51,767
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,350/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,918
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$55,596
−HK$1,704/mo
Today · 4.125%
HK$57,300
baseline
▲ 0.50% · 4.625%
HK$60,786
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,600/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,984
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,592
−HK$1,632/mo
Today · 4.125%
HK$63,224
baseline
▲ 0.50% · 4.625%
HK$66,557
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,448/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,621 · Scale 2, in force from 26 Feb 2026)