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$29,953
−HK$1,878/mo
▼ 0.25% · 3.875%
HK$30,885
−HK$946/mo
Today · 4.125%
HK$31,831
baseline
▲ 0.50% · 4.625%
HK$33,768
+HK$1,937/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,662/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,323
−HK$1,800/mo
▼ 0.25% · 3.875%
HK$34,216
−HK$907/mo
Today · 4.125%
HK$35,123
baseline
▲ 0.50% · 4.625%
HK$36,974
+HK$1,851/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,246/mo (50% DSR)
Upfront cash ≈ HK$7.06M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,944
−HK$2,254/mo
▼ 0.25% · 3.875%
HK$37,062
−HK$1,136/mo
Today · 4.125%
HK$38,198
baseline
▲ 0.50% · 4.625%
HK$40,522
+HK$2,324/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$76,396/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,987
−HK$2,160/mo
▼ 0.25% · 3.875%
HK$41,059
−HK$1,088/mo
Today · 4.125%
HK$42,147
baseline
▲ 0.50% · 4.625%
HK$44,369
+HK$2,222/mo
Deposit HK$5.25M · loan HK$7.88M · min. income ≈ HK$84,294/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,934
−HK$2,630/mo
▼ 0.25% · 3.875%
HK$43,239
−HK$1,325/mo
Today · 4.125%
HK$44,564
baseline
▲ 0.50% · 4.625%
HK$47,276
+HK$2,712/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,128/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,652
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$47,903
−HK$1,269/mo
Today · 4.125%
HK$49,172
baseline
▲ 0.50% · 4.625%
HK$51,764
+HK$2,592/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,344/mo (50% DSR)
Upfront cash ≈ HK$4.43M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,916
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$55,593
−HK$1,704/mo
Today · 4.125%
HK$57,297
baseline
▲ 0.50% · 4.625%
HK$60,783
+HK$3,486/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$114,594/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$59,981
−HK$3,240/mo
▼ 0.25% · 3.875%
HK$61,589
−HK$1,632/mo
Today · 4.125%
HK$63,221
baseline
▲ 0.50% · 4.625%
HK$66,554
+HK$3,333/mo
Deposit HK$1.31M · loan HK$11.82M · min. income ≈ HK$126,442/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$492,595 · Scale 2, in force from 26 Feb 2026)