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$29,984
−HK$1,880/mo
▼ 0.25% · 3.875%
HK$30,917
−HK$947/mo
Today · 4.125%
HK$31,864
baseline
▲ 0.50% · 4.625%
HK$33,803
+HK$1,939/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$63,728/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,357
−HK$1,802/mo
▼ 0.25% · 3.875%
HK$34,252
−HK$907/mo
Today · 4.125%
HK$35,159
baseline
▲ 0.50% · 4.625%
HK$37,012
+HK$1,853/mo
Deposit HK$6.57M · loan HK$6.57M · min. income ≈ HK$70,318/mo (50% DSR)
Upfront cash ≈ HK$7.07M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,981
−HK$2,256/mo
▼ 0.25% · 3.875%
HK$37,100
−HK$1,137/mo
Today · 4.125%
HK$38,237
baseline
▲ 0.50% · 4.625%
HK$40,564
+HK$2,327/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$76,474/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,028
−HK$2,163/mo
▼ 0.25% · 3.875%
HK$41,102
−HK$1,089/mo
Today · 4.125%
HK$42,191
baseline
▲ 0.50% · 4.625%
HK$44,415
+HK$2,224/mo
Deposit HK$5.26M · loan HK$7.89M · min. income ≈ HK$84,382/mo (50% DSR)
Upfront cash ≈ HK$5.75M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,978
−HK$2,632/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,327/mo
Today · 4.125%
HK$44,610
baseline
▲ 0.50% · 4.625%
HK$47,325
+HK$2,715/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$89,220/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,700
−HK$2,523/mo
▼ 0.25% · 3.875%
HK$47,952
−HK$1,271/mo
Today · 4.125%
HK$49,223
baseline
▲ 0.50% · 4.625%
HK$51,817
+HK$2,594/mo
Deposit HK$3.94M · loan HK$9.20M · min. income ≈ HK$98,446/mo (50% DSR)
Upfront cash ≈ HK$4.44M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,971
−HK$3,385/mo
▼ 0.25% · 3.875%
HK$55,650
−HK$1,706/mo
Today · 4.125%
HK$57,356
baseline
▲ 0.50% · 4.625%
HK$60,846
+HK$3,490/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$114,712/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,043
−HK$3,243/mo
▼ 0.25% · 3.875%
HK$61,653
−HK$1,633/mo
Today · 4.125%
HK$63,286
baseline
▲ 0.50% · 4.625%
HK$66,622
+HK$3,336/mo
Deposit HK$1.31M · loan HK$11.83M · min. income ≈ HK$126,572/mo (50% DSR)
Upfront cash ≈ HK$1.81M (deposit + AVD stamp duty HK$493,104 · Scale 2, in force from 26 Feb 2026)